Commercial General Liability

Commercial general liability insurance is implicated whenever a third party is injured or whenever property is damaged. Classic examples for coverage include Sexual Abuse Claims, Opioid Litigation and Long Tail Environmental Claims. Coverage is also provided for personal and advertising injury which provides coverage for many privacy and cyber claims.

Commercial general liability policies cover damage or injury that occurs during the policy period, Multiple Insurance Policies Can Cover a Single Claim, and depending on the claim, decades old insurance policies may be triggered. Our five-part series on things you need to know about general liability insurance provides additional insight. Five Things You Need to Know About General Liability Insurance: Number 5; Number 4; Number 3; Number 2; Number 1.

Latest Results

$1 Billion+ Opioid Claim

Secured coverage for specialty pharmaceutical company under policies of general liability, products liability and management liability insurance for the defense and indemnification of claims arising out of the manufacture and sales of prescription opioid pain medication. Underlying claims included bodily injury claims by individual patients, securities class action lawsuits, Delaware Section 220 demands, shareholder derivative litigations, criminal indictments of individual officers and directors, third-party payor (health insurer) claims, and claims by local, state and national governmental entities.

$300 million Sexual Harassment Claims

Negotiated defense coverage under roughly 30 years of historical GL policies for prominent school facing over $300 million of sexual harassment claims.

$100+ Million Environmental Recovery

Negotiated environmental recovery for Fortune 250 petroleum company under legacy general liability insurance policies.

$60+ Million Recovered for Technology Services Company

Filed suit against two different Commercial General Liability (CGL) insurance companies that sold fourteen different policies to a leading software servicing company, resulting in recoveries of over $60 million. Recoveries achieved under often ignored “personal injury” coverage provisions of the policies for a break-the-company lawsuit filed by a business competitor.

$50+ Million Environmental Claim

Litigated and settled insurance claims for Waste Management, Inc. covering numerous bodily injury lawsuits alleging bodily injury caused by historical industrial operations.

$35+ Million Environmental Claim

Litigated and settled insurance claims for Tecumseh, Inc. involving numerous underlying property damage and bodily injury lawsuits allegedly stemming from historical industrial manufacturing operations.  Claim involved allocating long-tail property exposures over 65 years of coverage.

$13.7 Million Trial Verdict

Trial verdict amounting to almost three times policy limits. AIG held liable for bad faith conduct for failing to contribute to settlement of a natural gas pipeline explosion wrongful death lawsuit. Learn More

$10+ Million Environmental Settlement

Negotiated 8-figure recovery for Fortune 150 petroleum company for environmental claims presented under legacy general liability policies.

$10+ Million Negotiated Settlement

Negotiated 8-figure recovery for Fortune 50 independent petroleum company involving environmental claims presented under legacy general liability and environmental impairment liability (EIL) policies.

$2.75 Million “Loss of Use” Payment

Obtained coverage under the “loss of use” provisions of shopping center client’s CGL policy for the client’s settlement with a commercial tenant, who alleged that it had been wrongly evicted from the center during the course of extensive renovations of the center.

Construction Defect Claim Recovery

Multimillion dollar settlement for real estate developer from general liability insurer covering the defense and indemnification of claims asserted by condominium association arising out of alleged construction defects in condominium development.

Employers Liability (Stop Gap) Insurance Claim

Settled claims for Fortune 150 petroleum refiner resolving claims for losses incurred to defend and resolve wrongful death litigation arising from explosion and fire at a 120,000 barrel-per-day oil refinery.