The Law Office of Dwight M. Kealy

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Bonds in the CGL Policy

Posted on August 19, 2016 at 1:00 AM Comments comments (4)

A Look at Bail Bonds and Bonds to Release Attachments in the CGL Policy

     Most people do not think of the Commercial General Liability (CGL) Policy as a place to get payment for bonds, but the CGL Policy provides payment for two types of bonds: (1) up to $250 for the cost of bail bonds, and (2) the cost of bonds to release attachments. This coverage is found in the Supplementary Payments section of the CGL Policy.


Bail Bonds

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Sharing the Blame: What happens when both sides are at fault?

Posted on October 7, 2015 at 12:25 AM Comments comments (0)

The article below originally appeared in the Fall, 2015 issue of Resources Magazine, a publication of The National Alliance for Insurance Education and Research.  The content and illustration come from my book Legal Concepts for Insurance Agent Ethics: How Agents Get Sued and Lose Their Licenses.  The book and a test are approved for 4 hours of CA insurance ethics CE at  The book is available as an ebook or paper...

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Construction Defects and Occurrence Form Policies

Posted on September 28, 2015 at 2:40 PM Comments comments (1)

The article below appeared in the September 21, 2015 issue of The Insurance Journal.  The illustrations and content come from my book Understanding the Commercial General Liability Policy.  The book is approved for 17 hours of CA insurance CE credit available at www....

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Additional Insured Endorsements in Construction

Posted on June 29, 2015 at 2:40 PM Comments comments (0)

The article below appeared in the June 15, 2015 issue of The Insurance Journal.  It originally came from my book Understanding Named, Automatic,and Additional Insureds in the CGL Policy.

To get on a job, contractors often have to show proof of insurance and name the...

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The Impact of Prior Work Exclusions and Sunset Provisions in CGL Policies

Posted on May 30, 2015 at 12:05 AM Comments comments (0)

Note: This article originally appeared in the September 8, 2014 issue of the Insurance Journal.

The commercial general liability (CGL) occurrence form policy is like a row of briefcases each filled with $1 million.


Inscribed on the front of each briefcase is a year representing a specific annual policy period. Each briefcase has a combination lock. If you have the right combination, you can open the briefcase and take as much money as you need to pay damages cov...

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Contractors and the CGL Policy's "Your Product" and "Your Work" Exclusions

Posted on December 10, 2013 at 7:10 PM Comments comments (0)

     Dear Contractors: The wall you just built may not be covered by your insurance the way you think it is. This is because although the commercial general liability (CGL) policy may cover bodily injury or property damage to others resulting from your product or work, the policy specifically excludes damage to your property, product or work.

     It is important for agents working with contractors to understa...

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