Commercial General Liability covers a business's third-party bodily injury and property damage liability. Carriers, MGAs, and TPAs writing CGL need a platform that handles ISO CG forms, classification rating, and additional-insured endorsements at scale.
Commercial General Liability (CGL) is the foundational liability coverage for businesses. It covers third-party bodily injury and property damage liability, personal and advertising injury, and medical payments arising from premises and operations and from products and completed operations. It is the ‘legal-liability-to-others’ layer of every standard commercial account.
This page is a line-of-business reference for CGL carriers, MGAs, TPAs, and program administrators evaluating a policy administration platform for CGL written on ISO CG forms or proprietary general-liability forms.
A standard CGL policy has three insuring agreements: Coverage A — bodily injury and property damage liability; Coverage B — personal and advertising injury; and Coverage C — medical payments. Each has its own limits, exclusions, and triggers.
Premises-and-operations exposure and products-and-completed-operations exposure each have their own aggregate limits and rating bases. The platform has to track per-occurrence, general aggregate, and products/completed-ops aggregate limits independently.
CGL is rated by classification code (ISO class code or carrier proprietary code) against a rating base such as gross sales, payroll, area, or unit count. Each class carries its own rate and exposure base — sometimes multiple classes on one policy.
Mercury's configurable rating engine supports class-code-driven rating, multiple classes per location, exposure-base lookup tables, and date-driven rate revisions through the policy lifecycle.
CGL accounts routinely carry dozens or hundreds of additional-insured endorsements covering landlords, customers, contractors, and venues. Each AI has its own form (CG 20 10, CG 20 37, blanket forms) and effective dates.
Mercury supports configurable endorsement schedules, blanket additional-insured logic, certificate-issuance workflow, and on-demand certificate of insurance through the self-service portal.
Most CGL is written on the ISO CG 00 01 occurrence form; some classes (consultants, design professionals, miscellaneous E&O hybrids) are written on a claims-made CG 00 02 form with retroactive dates and extended-reporting periods.
Mercury's configurable forms library supports occurrence and claims-made triggers, retroactive-date validation, ERP endorsements, and version control across the ISO CG form set.
Does Mercury support occurrence and claims-made CGL on the same platform?
Yes. Mercury's configurable forms and rating support occurrence-trigger CG 00 01 and claims-made CG 00 02 policies, including retroactive-date validation and extended-reporting-period endorsements.
Can Mercury rate CGL accounts with multiple class codes per location?
Yes. Mercury's rating engine supports multiple class codes per location, multiple locations per policy, and date-driven class-code rate tables for ISO class plans and carrier proprietary plans.
Does Mercury support certificate-of-insurance issuance for CGL accounts?
Yes. Mercury's self-service portal supports on-demand certificate of insurance issuance, blanket and scheduled additional-insured endorsements, and audit-trail logging of every certificate issued.
