1. Under a claims-made CGL policy with a retroactive date, coverage generally applies only to injury or damage that:

Occurs on or after the retroactive date and is claimed during the policy or extended reporting period

A claims-made policy covers losses occurring on or after the retroactive date when the claim is first made during the policy period or an extended reporting period.

2. Coverage C (medical payments) of a CGL policy pays:

Limited medical expenses for third parties injured on the premises regardless of fault

CGL medical payments cover limited medical expenses for injured third parties without regard to the insured's legal liability.

3. The products-completed operations aggregate limit in a CGL policy caps payments for:

Bodily injury and property damage arising from the insured's products and completed work

This separate aggregate limits total payments for claims arising out of the insured's products and completed operations.

4. An additional insured endorsement on a CGL policy is commonly used to:

Extend coverage to another party, such as a landlord or client, for the named insured's operations

An additional insured endorsement extends the named insured's coverage to another party, often as required by contract.