What does it mean when a Commercial General Liability policy is unendorsed?

What does it mean when a Commercial General Liability policy is unendorsed?

• A. It contains no endorsements and reflects the standard form.
• B. It excludes all liability for personal injuries.
• C. It includes automatic inflation guard.
• D. It provides coverage only for professional services.

Answer: (A)

A Commercial General Liability policy that is unendorsed uses the standard form exactly as written, with no additions or removals through endorsements. Endorsements are the separate edits you can add to customize coverage, so when a policy has none, it means you’re looking at the baseline protections and exclusions of the standard ISO CGL form. This is why the statement that it contains no endorsements and reflects the standard form is the best description. The other options imply modifications or different scopes that aren’t part of an unendorsed policy: there isn’t an automatic exclusion of personal injuries, there isn’t an automatic inflation guard built in, and a CGL doesn’t restrict coverage to professional services—professional services usually require a separate professional liability policy or an endorsement to cover those items.

A Commercial General Liability policy that is unendorsed uses the standard form exactly as written, with no additions or removals through endorsements. Endorsements are the separate edits you can add to customize coverage, so when a policy has none, it means you’re looking at the baseline protections and exclusions of the standard ISO CGL form.

This is why the statement that it contains no endorsements and reflects the standard form is the best description. The other options imply modifications or different scopes that aren’t part of an unendorsed policy: there isn’t an automatic exclusion of personal injuries, there isn’t an automatic inflation guard built in, and a CGL doesn’t restrict coverage to professional services—professional services usually require a separate professional liability policy or an endorsement to cover those items.