1. Forms
  2. CG
  3. CG-00-01

What it does

CG 00 01 is the core ISO commercial general liability coverage form, written on an occurrence basis. It is combined with the CGL Declarations (CG DS 01), the Common Policy Conditions (IL 00 17) and endorsements to make up the CGL coverage part.

  • Coverage A – Bodily Injury and Property Damage Liability: pays damages the insured becomes legally obligated to pay because of "bodily injury" or "property damage" caused by an "occurrence" in the coverage territory, where the injury or damage occurs during the policy period and was not known to listed insureds before the policy began. The insurer has the right and duty to defend.
  • Coverage B – Personal and Advertising Injury Liability: covers offenses such as false arrest, malicious prosecution, wrongful eviction, defamation, privacy publication, use of another's advertising idea, and infringement of copyright, trade dress or slogan in the insured's advertisement.
  • Coverage C – Medical Payments: pays medical expenses for bodily injury caused by an accident on the insured's premises or because of its operations, regardless of fault.

Key provisions and limits

  • Limits: General Aggregate (Coverage A other than products-completed operations, Coverage B and Coverage C), Products-Completed Operations Aggregate, Personal and Advertising Injury, Each Occurrence, Damage To Premises Rented To You and Medical Expense limits.
  • Main Coverage A exclusions in the 04 13 edition: expected or intended injury, contractual liability (except "insured contracts"), liquor liability, workers compensation, employer's liability, pollution, aircraft/auto/watercraft, mobile equipment transport and racing, war, damage to property, damage to your product, damage to your work, impaired property, recall, personal and advertising injury, electronic data, and recording and distribution of material in violation of law.
  • Who Is An Insured varies by entity type and includes employees, volunteer workers, real estate managers, mobile equipment operators and, for up to 90 days, newly acquired organizations other than partnerships, joint ventures and LLCs.
  • Supplementary Payments (defense costs, bonds, expenses) are paid in addition to limits.

Who needs it and quoting notes

  • Most contracts and leases ask for "CGL on ISO CG 00 01 or equivalent". Many carriers file their own forms; compare them for missing coverages.
  • Endorsements make the policy: check additional insured, primary/noncontributory and waiver endorsements against contracts, and review exclusions such as classification limitations (CG 21 44), access or disclosure (CG 21 06), and abuse (CG 40 28).
  • Rating is by ISO GL classification with a premium base such as gross sales, payroll, area, units or each.
  • Occurrence coverage responds to injury during the policy period even if the claim comes years later; keep old policies.
  • Edition history: the 04 13 and 12 04 editions as available in the listed states.

Edition watch

ISO's 12 25 multistate revision (filing GL-2024-OFR24) has been approved in most states with an effective date of April 1, 2027. Until a carrier adopts it, policies continue to be issued on the 04 13 edition, so check the edition printed on the forms schedule of each quote and renewal. The 12 25 forms filing also introduces new or revised endorsements, including CG 24 55 (Unmanned Aircraft), CG 40 27 and CG 40 34 (EIFS exclusions with an exception for drainable EIFS not installed over wood), and revised editions of CG 21 86, CG 22 87, CG 22 88 and CG 24 08.

Related forms

CG 00 02 (claims-made version), CG DS 01, CG 21 44, CG 20 10, CG 20 01, CG 24 04, CG 21 47, CG 21 06.