Third-party liability insurance policies, whether a standard form CGL policy or a manuscript specialty policy, share common conditions that an insured should remain cognizant of through the claim process to ensure that coverage is not jeopardized. The conditions section of these policies delineates the obligations that must be fulfilled for the contract of insurance to be enforced. While there are conditions obligating both the insurer and the insured, the more common conditions which, if ignored or unknown, can result in the creation of needless coverage hurdles for insureds, are: providing timely notice and reporting of a claim; cooperating with an insurer; and avoiding the assumption of liability. This article briefly discusses these policy conditions, which may not be well known to insureds, so that a coverage assessment is limited to the merits of a claim and not a failure to satisfy policy conditions.