Colorado CGL Coverage B Demystified

I'm honored to have written a feature article for the March 2024 Colorado Lawyer on "Colorado CGL Coverage B Demystified."

Most attorneys are familiar with Coverage A of commercial general liability insurance policies. Coverage A insures many claims for accidental tangible damages—bodily injury and property damage caused by an occurrence (i.e., an accident), subject to numerous exclusions.

Coverage B of CGL policies is less well-known. Coverage B insures claims for several specific personal injury and advertising injury torts. In contrast to Coverage A, many of the covered torts involve intangible damages. And, unlike injuries under Coverage A, personal and advertising injuries can be intentional torts—they do not need to be caused by an “occurrence.”

For further analysis of CGL insurance issues in Colorado or any other state, contact me any time. Weimer & Weeding practices in insurance coverage and defense in Colorado, Minnesota and Wisconsin.