The standard wordings in a commercial general liability policy (CGL) will frequently read as follows:
Bodily Injury and Property Damage Liability
To pay on behalf of the insured those sums which the Insured shall become legally obligated to pay as damages because of:
Consider the following: The insurer has issued a standard homeowner's policy to the insured. A developer is engaged in building a new house on adjacent property. In the course of so doing, a large amount of earth and rock is placed on the adjacent property. As is often the case, this volume of...