On April 1, 2013, the Insurance Services Office (ISO) began offering significantly revised Commercial General Liability (CGL) forms featuring changes for many policyholders. Although not all insurance carriers can be expected to use the new forms, historically, ISO form changes tend to influence the market and create a standard against which other forms are measured.
The CGL policy is a ubiquitous product purchased by property owners, lessors and lessees, the construction industry as well as a host of other commercial enterprises and contains the most significant changes in years if not decades. Thus, the impact of ISO’s revisions and additions will be felt well beyond the insurance industry.
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