Core Courses

Commercial Liability Insurance for Contractors

Course Details

This course is not subject to discount pricing.

Additional Credit Available:

Optional Insurance CE
Optional CPA CPE

Delivery Method: 


PDF Download: 


Provider of Record: 


Field of Study: 

Management Services

Exam Requirements

Proctor Required: 


Passing Grade: 






Please note: Adding Additional Credit may change exam requirements.

Course Description
This course—Commercial Liability Insurance for Contractors—will examine each of the three coverage parts of the commercial general liability (CGL) policy—bodily injury and property damage (Coverage A), personal and advertising injury (Coverage B), and medical payments (Coverage C)—including the insuring agreement and exclusions. Although contractors may avail themselves of the coverage provided under all of the coverage parts, the most significant coverage section for contractors, and for most other business entities, is Coverage A—“bodily injury and property damage.” Consequently, that section of the policy will receive more emphasis in this course than other coverage parts. After a careful review of the basic policy’s coverage parts, key policy provisions and conditions will be examined, such as who is an insured, limits of insurance, and notice requirements. Finally, various endorsements that can be attached to the policy to broaden or restrict the scope of coverage or otherwise alter the basic policy terms and conditions will be reviewed.

Learning Objectives
This is an intermediate level course. Students who successfully complete this course will be able to:

  • Identify the major categories of insurable liability risk faced by contractors and explain how each is covered by the standard CGL policy.  
  • Differentiate the two coverage triggers used in commercial general liability insurance policies and explain how each trigger defines what policy will apply to specific liability insurance.
  • Define (1) “bodily injury” and (2) “property damage” and differentiate “bodily injury” from “personal injury”.
  • Analyze the scope of the CGL exclusions, such as contractual liability, pollution, and “damage to your work,” and explain how claims may be covered despite the exclusions.
  • Recognize the significance of “insured” status to the availability of coverage under a standard CGL policy and differentiate between a named insured, an automatic insured, and an additional insured under the standard CGL policy.
  • Identify the reasons why contractors enter into controlled insurance programs or joint ventures and cite examples of a coverage modification that may be necessary when a contractor participates in a CIP or a joint venture.
  • Recognize the function of umbrella liability insurance, contrast the coverage available under a typical umbrella policy with that of a standard CGL policy, and illustrate the major ways in which a contractor limitation endorsement alters the coverage of an umbrella policy. 

A basic understanding of commercial liability insurance.

CPE Field of Study
Management Services

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International Risk Management Institute, Inc. (IRMI) is the premier provider of risk and insurance continuing education and reference publications, and is considered the ultimate authority by leading insurance practitioners. Written by industry experts, IRMI courses provide the most up-to-date, practical and reliable information possible.