Commercial (CGL) Policies

These are generally referred to as Comprehensive General Liability (CGL) policies, Garage Keeper’s policies, and Business insurance.  Like Homeowner’s policies, they initially offer broad coverage and then limit that coverage with pages of exclusions.  Although these policies have a great number of exclusions, those exclusions are subject to interpretation and some have a long history of case law defining how they are to be applied.  Unfortunately, there are many provisions that have little or no case law, leading to disagreements over their true meaning.

If you have a claim for property damage or a personal injury claim (referred to as a “bodily injury” claim under the policy), these commercial policies vary as to what types of harm they will cover.  For example, in April 2015, the Federal District Court in Massachusetts interpreted the extent of an exclusion on a commercial policy relating to loading and unloading of trucks.  The court stated that the insurer’s interpretation would have rendered the policy meaningless.  The court’s interpretation extended coverage for the injured person.

Attorney McMaster will review your case and give you an honest assessment of your situation.  There are a number of factors that need to be considered in order to determine the success of your claim.

Don’t delay, contact Attorney John J. McMaster today
Call 508-393-9200 to schedule an appointment. Conveniently located in Northborough, Attorney John J. McMaster will analyze your situation and offer sound advice.