The Commercial General Liability Policy - If there is not a specific exclusion does that mean there is coverage?  

"The CGL policy covers what it covers," Lamar Homes, Inc. v. Mid-Continent Cas. Co., 242 S.W.3d (Tex. 2007). Indeed.

Without context, this state Supreme Court's statement seems to beg the question. Yet, that such a deceptively simple commentary on the Insurance Services Office, Inc. (ISO), commercial general liability policy was deemed necessary is quite revealing. Put another way, why wouldn't the CGL policy cover what it covers? Why does the obvious need to be stated?

Here are some not so obvious matters to decipher and consider as ever-changing complexities of the CGL policy. While matters of similar concern are far more numerous than mentioned here, this may be a good place to begin to further develop an appreciation for why insurance was infamously described as a "flood of darkness."

Follow the link to read the full article:

 http://www.irmi.com/expert/articles/2011/stanovich01-cgl-general-liability-insurance.aspx 

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