CG 00 01

Commercial General Liability Coverage Form

Edition in catalog: 04 13 · base

What this number is

CG 00 01 is the standard occurrence commercial general liability coverage form. It is the backbone of most GL policies: what counts as an occurrence, who is an insured, and which injuries or damages the policy is even designed to consider.

What it changes on a policy

This form sets the core insuring agreements for bodily injury, property damage, personal and advertising injury, and medical payments. Limits, deductibles, and many exclusions still live on endorsements, but CG 00 01 is the document those endorsements amend.

What it does not do

It does not by itself add a landlord, owner, or franchisor as an additional insured. It does not tell you whether a specific claim will be paid. Endorsements can remove products-completed operations, professional services, or entire classes of work.

Where it shows up

Look on the declarations page and the forms-and-endorsements schedule. The form number and edition (for example CG 00 01 04 13) usually appear in the schedule, not in the marketing title of the policy.

What to look for

Occurrence versus claims-made (CG 00 02 is the claims-made cousin)
Each-occurrence and general aggregate limits on the declarations
Products-completed operations aggregate, which is often separate
Endorsements that follow CG 00 01 on the same schedule

Coverbird reads the declarations and form schedule on the PDF you already have. It does not sell insurance or say whether a limit is enough.

Upload a policy to find this on yours

Related glossary

Additional insured
Someone added to your liability policy by endorsement, usually because a contract asked for it.
Per occurrence vs aggregate
Per occurrence is the most the policy will pay for one event. Aggregate is the most it will pay for the term.
Products-completed operations
Liability arising after you finish the work or after your product is out of your hands.
Declarations page
The front pages that list who is insured, what is covered, the term, premium, and limits.
Occurrence
A coverage trigger: the policy that applies is the one in force when the injury or damage happens.