Limits Of Insurance - Section 3
- Commercial General Liability Coverage Form

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Read the Limits Of Insurance - Section 3 - Commercial General Liability Coverage Form (CG 00 01 04 13)

Limits Of Insurance - Section 3 - Commercial General Liability Coverage Form

Limits Of Insurance - Section 3 - Commercial General Liability Coverage Form

The ISO Limits Of Insurance - Section 3 - Commercial General Liability Coverage Form is a part of the Commercial General Liability Coverage Form. If you have a general liability policy, you should at least have a basic understanding of what, where and who is covered - what, where and who is excluded and other important language in the Limits Of Insurance - Section 3 - Commercial General Liability Coverage Form. The section starts below here:


Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance.

The word "insured" means any person or organization qualifying as such under Section II - Who Is An Insured.

Other words and phrases that appear in quotation marks have special meaning. Refer to Section V - Definitions.

SECTION III - LIMITS OF INSURANCE

  1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of:
    • a. Insureds;
    • b. Claims made or "suits" brought; or
    • c. Persons or organizations making claims or bringing "suits".
  2. The General Aggregate Limit is the most we will pay for the sum of:
    • a. Medical expenses under Coverage C;
    • b. Damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard"; and
    • c. Damages under Coverage B.
  3. The Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of "bodily injury" and "property damage" included in the "products-completed operations hazard".
  4. Subject to Paragraph 2. above, the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization.
  5. Subject to Paragraph 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of:
    • a. Damages under Coverage A; and
    • b. Medical expenses under Coverage C because of all "bodily injury" and "property damage" arising out of any one "occurrence".
  6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner.
  7. Subject to Paragraph 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of "bodily injury" sustained by any one person.

The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance.

More On ISO Insurance Forms

You can download a copy of this form here: Commercial General Liability Coverage Form.

You can find more ISO insurance coverage forms here:

Limits Of Insurance - Section 3 - Commercial General Liability Coverage Form - The Bottom Line

We hope this article on the Limits Of Insurance - Section 3 - Commercial General Liability Coverage Form has been informative. Because ISO forms are used by many insurance companies, a lot of the language they contain has already been by interpreted by the courts. Meanings have been established for specific words and phrases which can make claim settlements and litigation easier.

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