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  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Commercial General Liability Coverage Form CG 00 01 04 13 (ISO)",
  "publisher": "Insurance Services Office, Inc. (form text); published as a downloadable coverage form specimen by Berxi (Berkshire Hathaway Specialty Insurance)",
  "url": "https://quote.berxi.com/downloads/commercial-general-liability-coverage-form-occ.pdf",
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  "jurisdiction": "US",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "ISO revises the CGL coverage form periodically; edition dates and state-specific variants differ, and carriers may use their own non-ISO forms.",
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  "supportsClaims": [
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      "text": "In CG 00 01 04 13, the Coverage A insuring agreement states that the insurer will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which the insurance applies, and that the insurer will have the right and duty to defend the insured against any suit seeking those damages."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c2",
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      "text": "The form states that the insurer will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which the insurance does not apply."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c3",
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      "text": "The form states that the insurer's right and duty to defend ends when it has used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c4",
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      "text": "Coverage A applies to bodily injury and property damage only if the injury or damage is caused by an occurrence that takes place in the coverage territory and occurs during the policy period, subject to the form's prior-knowledge provisions."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c5",
      "checksum": "8bbabe3e67d0",
      "text": "The form defines occurrence as an accident, including continuous or repeated exposure to substantially the same general harmful conditions."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c6",
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      "text": "Supplementary Payments under Coverages A and B include all expenses the insurer incurs, and the form states that these payments will not reduce the limits of insurance."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c7",
      "checksum": "2babc9b42db2",
      "text": "Section III Limits Of Insurance sets a General Aggregate Limit, a Products-Completed Operations Aggregate Limit, a Personal And Advertising Injury Limit, an Each Occurrence Limit, a Damage To Premises Rented To You Limit, and a Medical Expense Limit."
    },
    {
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      "text": "The General Aggregate Limit is the most the insurer will pay for the sum of medical expenses under Coverage C, damages under Coverage A other than damages included in the products-completed operations hazard, and damages under Coverage B."
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    {
      "claimId": "iso-cg-00-01-04-13#c9",
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      "text": "The Products-Completed Operations Aggregate Limit is the most the insurer will pay under Coverage A for damages because of bodily injury and property damage included in the products-completed operations hazard."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c10",
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      "text": "The Each Occurrence Limit is the most the insurer will pay for the sum of damages under Coverage A and medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c11",
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      "text": "The Damage To Premises Rented To You Limit, subject to the Each Occurrence Limit, is the most the insurer will pay under Coverage A for damages because of property damage to any one premises while rented to the insured, or in the case of damage by fire, while rented to or temporarily occupied by the insured with permission of the owner."
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    {
      "claimId": "iso-cg-00-01-04-13#c12",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c12",
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      "text": "The Medical Expense Limit, subject to the Each Occurrence Limit, is the most the insurer will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c13",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c13",
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      "text": "The form states that the Limits of Insurance of the Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c14",
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      "text": "The Coverage A exclusions in CG 00 01 04 13 are lettered a. through q.: Expected Or Intended Injury; Contractual Liability; Liquor Liability; Workers' Compensation And Similar Laws; Employer's Liability; Pollution; Aircraft, Auto Or Watercraft; Mobile Equipment; War; Damage To Property; Damage To Your Product; Damage To Your Work; Damage To Impaired Property Or Property Not Physically Injured; Recall Of Products, Work Or Impaired Property; Personal And Advertising Injury; Electronic Data; and Recording And Distribution Of Material Or Information In Violation Of Law."
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    {
      "claimId": "iso-cg-00-01-04-13#c15",
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      "text": "The Coverage A list of exclusions in this base form does not include a professional services exclusion."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c16",
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      "text": "Exclusion b. Contractual Liability removes bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement, and states that the exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement, or to liability assumed in a contract or agreement that is an insured contract, provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c17",
      "checksum": "0cf5590fb36f",
      "text": "The form defines insured contract to include a contract for a lease of premises with a stated fire-damage carve-out, a sidetrack agreement, an easement or license agreement with a stated railroad exception, an obligation required by ordinance to indemnify a municipality with a stated exception, an elevator maintenance agreement, and that part of any other contract or agreement pertaining to the insured's business under which the insured assumes the tort liability of another party to pay for bodily injury or property damage to a third person or organization."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c18",
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      "text": "Nothing in the Contractual Liability exclusion or its insured contract exception amends Section II Who Is An Insured or confers additional insured status."
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c19",
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      "text": "Coverage A exclusion a. Expected Or Intended Injury states, in the same paragraph, that the exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c20",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c20",
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      "text": "The insured contract exception in exclusion b. also provides that, solely for the purposes of liability assumed in an insured contract, reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage, provided liability for that party's defense was also assumed in the same insured contract and the fees and expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which the insurance applies are alleged."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c21",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c21",
      "checksum": "253e73bed5af",
      "text": "Coverage A exclusion c. Liquor Liability removes bodily injury or property damage for which any insured may be held liable by reason of causing or contributing to the intoxication of any person, the furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol, or any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages."
    },
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c22",
      "checksum": "847585c202c0",
      "text": "The Liquor Liability exclusion states that it applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, or in providing or failing to provide transportation with respect to any person that may be under the influence of alcohol, if the occurrence involved one of the three listed grounds."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c23",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c23",
      "checksum": "9d2349ff38b3",
      "text": "The Liquor Liability exclusion closes with a limiting clause stating that the exclusion applies only if the named insured is in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, and that permitting a person to bring alcoholic beverages on the named insured's premises for consumption on those premises, whether or not a fee is charged or a license is required for that activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c24",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c24",
      "checksum": "e304d2c041fe",
      "text": "Coverage A exclusion e. Employer's Liability reaches bodily injury to an employee of the insured arising out of and in the course of employment by the insured or of performing duties related to the conduct of the insured's business, and to that employee's spouse, child, parent, brother or sister as a consequence, and applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else. The form then states that the exclusion does not apply to liability assumed by the insured under an insured contract."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c25",
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      "text": "Coverage A exclusion f. Pollution excludes bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at or from premises the insured owns, occupies, rents or borrows, and at or from premises where the insured or its contractors are performing operations if the pollutants are brought on in connection with those operations, subject to stated subparagraph exceptions."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c26",
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      "text": "One stated exception to the pollution exclusion is bodily injury sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment used to heat, cool or dehumidify the building."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c27",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c27",
      "checksum": "cc1a5fa0a72b",
      "text": "Exclusion f.(2) also excludes loss, cost or expense arising out of a request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize pollutants, or a claim or suit by or on behalf of a governmental authority for such damages."
    },
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      "text": "Exclusion f.(2) closes with a stated exception providing that the paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or of such claim or suit by or on behalf of a governmental authority."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c29",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c29",
      "checksum": "07b119cdeb53",
      "text": "Coverage A exclusion k. Damage To Your Product removes property damage to the insured's product arising out of it or any part of it, and carries no stated exception in this form."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c30",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c30",
      "checksum": "bb17687f4338",
      "text": "Coverage A exclusion l. Damage To Your Work removes property damage to the insured's work arising out of it or any part of it and included in the products-completed operations hazard, and states that the exclusion does not apply if the damaged work, or the work out of which the damage arises, was performed on the named insured's behalf by a subcontractor."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c31",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c31",
      "checksum": "07d4ba0950cc",
      "text": "Coverage A exclusion m. Damage To Impaired Property Or Property Not Physically Injured removes property damage to impaired property or to property that has not been physically injured arising out of a defect, deficiency, inadequacy or dangerous condition in the insured's product or work, or out of a delay or failure by the insured or anyone acting on its behalf to perform a contract or agreement in accordance with its terms, and states that the exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to the insured's product or work after it has been put to its intended use."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c32",
      "checksum": "1b623a6e85f3",
      "text": "Coverage A exclusion n. Recall Of Products, Work Or Impaired Property removes damages claimed for any loss, cost or expense incurred by the insured or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of the insured's product, work or impaired property, and applies only if such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it."
    },
    {
      "claimId": "iso-cg-00-01-04-13#c33",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c33",
      "checksum": "394e8c5e7f54",
      "text": "Coverage A exclusion p. Electronic Data removes damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access or inability to manipulate electronic data, and states in the same paragraph that the exclusion does not apply to liability for damages because of bodily injury."
    },
    {
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      "canonicalUrl": "https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13#c34",
      "checksum": "ae2fbb73d6f9",
      "text": "Coverage A exclusion i. War excludes bodily injury or property damage arising directly or indirectly out of war including undeclared or civil war, warlike action by a military force, and insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these."
    },
    {
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      "checksum": "73812bc7b2ec",
      "text": "Coverage A exclusion q. excludes bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate the Telephone Consumer Protection Act, the CAN-SPAM Act of 2003, the Fair Credit Reporting Act including the Fair and Accurate Credit Transactions Act amendment, or any other similar statute, ordinance or regulation."
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      "checksum": "512b4ff7ef93",
      "text": "Section III Limits Of Insurance in this base form sets limits only and contains no liability deductible provision."
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    {
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      "checksum": "e8d129269713",
      "text": "Coverage B is Personal And Advertising Injury Liability, has its own limit of insurance and its own exclusions including a pollution exclusion, and Coverage C is Medical Payments, whose payments are made regardless of fault and cannot exceed the applicable limit of insurance."
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    {
      "kind": "Coverage",
      "title": "Commercial General Liability (CGL)",
      "url": "https://bestinsuranceresearch.com/insurance/commercial-general-liability"
    },
    {
      "kind": "Coverage",
      "title": "Commercial Property Insurance",
      "url": "https://bestinsuranceresearch.com/insurance/commercial-property"
    },
    {
      "kind": "Coverage",
      "title": "Workers Compensation Insurance (California)",
      "url": "https://bestinsuranceresearch.com/insurance/workers-compensation-california"
    },
    {
      "kind": "Example",
      "title": "Reading CG 20 10, CG 20 37 and CG 20 01 to see why one contract sentence usually asks for three separate endorsements",
      "url": "https://bestinsuranceresearch.com/examples/additional-insured-takes-three-endorsements"
    },
    {
      "kind": "Module",
      "title": "Contract Insurance Requirements (4 checks)",
      "url": "https://bestinsuranceresearch.com/tools/contract-requirements"
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  "citation": {
    "text": "Insurance Services Office, Inc. (form text); published as a downloadable coverage form specimen by Berxi (Berkshire Hathaway Specialty Insurance). \"Commercial General Liability Coverage Form CG 00 01 04 13 (ISO).\" unknown. https://quote.berxi.com/downloads/commercial-general-liability-coverage-form-occ.pdf (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record iso-cg-00-01-04-13, content version 2026.08.31. https://bestinsuranceresearch.com/sources/iso-cg-00-01-04-13",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}