🛡️ Commercial Liability

Commercial General Liability: Occurrence vs Claims-Made Policy Triggers

By Commercial Underwriting Review Board•September 2, 2026

Underwriting & Coverage Summary

Navigating commercial liability: analyzing ISO CG 00 01 occurrence forms vs claims-made triggers, retroactive dates, and extended reporting period (tail) endorsements.

Commercial General Liability (CGL) forms the backbone of business risk defense. Choosing between occurrence and claims-made forms determines long-term coverage continuity.

1. Occurrence vs. Claims-Made Comparison

Policy Trigger	Coverage Condition	Tail / ERP Requirement	Best Application
Occurrence Form (ISO CG 00 01)	Loss happens during policy term	No Tail Needed	General contracting, retail, manufacturing
Claims-Made Form (ISO CG 00 02)	Claim reported during policy term	Requires Tail / Retroactive Date	E&O, D&O, Cyber, Pollution

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