Commercial General Liability insurance (“CGL”) is one of the most widely used forms of commercial liability insurance internationally. Originating from the standardized policy forms developed by the Insurance Services Office (“ISO”) in the United States, CGL policies generally provide coverage for third-party claims arising from bodily injury or property damage caused by an “occurrence” in connection with the insured’s business operations. In China, CGL insurance has increasingly been adopted by manufacturing enterprises, particularly those engaged in export-oriented businesses.
