COMPARE: GL-200–AAIS COMMERCIAL LIABILITY COVERAGE FORM TO CG 00 01–ISO COMMERCIAL GENERAL LIABILITY COVERAGE FORM

(September 2025)

This is a comparison of the GL-200–AAIS Commercial Liability Coverage Form and CG 00 01–ISO Commercial General Liability Coverage. To provide an easy-to-read comparison, limited descriptions are used.

NOTE: This comparison follows the AAIS policy order and format.

Related Articles:

AAIS Commercial Liability Coverage Form Analysis

Commercial General Liability Policy Coverage Form Analysis

SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
INSURING AGREEMENT	Yes Mandatory Endorsement – GL 0950 adds Known Injury or Damage Amendments	Similar, but instead of a single Insuring Agreement, each Primary Coverage has an Insuring Agreement. All are based on the same concept: outlining the Sums legally obligated to pay, the right and duty to defend, and the prior known injury or damage condition.
DEFINITIONS	Located at the front of the form	Located at the back of the form
You And Your	Yes	Similar, the first reference to you and your is in the second paragraph on the first page of the policy form. The definition is found in Section II – Who is an Insured and includes the wording “if you are designated…”
We, Us And Our	Yes	Similar, the first reference to we, us, and our is in the second paragraph on the first page of the policy form.
Advertising Injury	Yes	Same, but found under the definition of personal and advertising injury.
Auto	Yes	Similar, it also adds vehicles subject to financial responsibility laws.
Basic Territory	Yes, includes the U.S., its territories and possessions, Canada, and Puerto Rico.	Not specifically defined as Basic Territory, but found under item (a.) in Coverage Territory.
Bodily Injury	Yes	The text does not mention the necessary care or loss of services. It also does not address excluding mental or emotional injuries, suffering, or distress not arising from physical injuries.
Coverage Territory	Yes	Similar, but also includes references to personal and advertising injury offenses occurring through the internet or similar electronic communication methods.
Damages	Yes	Not a defined term
Declarations	Yes	Not a defined term
Employee	Yes	Same definition
Impaired Property	Yes	Similar, but also incorporates the words defective and inadequate within the defined term.
Insured	Yes Limited Liability Companies are not automatically considered insureds. To provide insured status to members and managers, the following form must be attached: GL-914- Limited Liability Company	· Similar, but found in Section II–Who Is An Insured. · Differences include: · Volunteers are considered insureds. · Limited liability companies are recognized as an entity under Who Is An Insured.
Leased Worker	Yes	Same definition
Limit	Yes	Not a defined term
Loading Or Unloading	Yes, it includes any mechanical device only when attached to the vehicle.	Same, but does not include movement by a mechanical device other than a hand truck.
Mobile Equipment	Not a defined term, but a separate section under Supplemental Coverage with a similar definition.	Defined term with similar language
Occurrence	Yes	Similar, plus wording of ‘repeated exposure to substantially the same general harmful conditions.’
Personal Injury	Yes	Similar, but defined in conjunction with advertising and personal injury.
Products/Completed Work Hazard	Yes	Same, but referred to as Products-completed operations hazard.
Products	Yes	Same, but defined as “Your Product.”
Property Damage	Yes	Similar, but states electronic data is not tangible property and defines electronic data.
Temporary Worker	Yes	Similar, but adds persons hired to meet seasonal or short-term workload conditions.
Terms	Yes	Not a defined term, but included by inference in the insuring agreement
Your Work	Yes	Similar, but does not include the word “written” about warranties or representations made.
Advertisement	Not a defined term	Yes
Executive Officer	Not a defined term	Yes
Hostile Fire	Defined in pollution exclusion	Yes
Pollutants	Defined in pollution exclusion	Similar, but does not include radioactive, electrical, or magnetic transmissions, whether visible or not, and sound emissions.
Suit	Defined in Defense Coverage	Yes
Volunteer Worker	Not a defined term because volunteers are not insureds. Volunteers of Non-Profit organizations can be added with endorsement GL-887.	Defined because volunteers are insureds.
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
PRINCIPAL COVERAGES
Coverage L–Bodily Injury Liability/Property Damage Liability	Yes	Coverage A–Bodily Injury and Property Damage Liability Similar language
Coverage M–Medical Payments	Yes, eyeglasses are included as a medical expense.	Coverage C–Medical Payments Similar language
Coverage N–Products/Completed Work	Yes	Included in Coverage A-Bodily Injury and Property Damage Liability as Products-completed operations hazard. Similar language
Coverage O–Fire Legal Liability	Yes	Part of Coverage A but limited to a period of seven or fewer consecutive days. Section III Limits of Insurance describes a separate limit of coverage for Damage to Premises Rented to You.
Coverage P–Personal Injury Liability/Advertising Injury Liability	Yes	Coverage B–Personal and Advertising Injury Liability Similar language
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
SUPPLEMENTAL COVERAGES	These coverages are subject to all the terms of the Principal Coverages and do not increase the limits for those coverages.	No exact section exists in the coverage form, but the provided coverages are referenced or implied in other sections of the form.
Contractual Liability	Yes	Similar to the definition found in this policy for an “Insured Contract.”
Incidental Medical Malpractice Injury	Yes	Excluded
Mobile Equipment	Yes	Similar to the definition of mobile equipment found in the Definitions section of the policy.
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
DEFENSE COVERAGE
Right And Duty To Defend	Yes	Same, but part of the insuring agreement
Defense Ends Once Limits Are Exhausted	Yes	Same, but part of the insuring agreement
Defense Costs Covered Not Included In Coverage Limit	Yes 1) $100 for the insured's loss of earnings for time away from work 2) $500 for bonds due to traffic accident or violation	Similar, but classified as Supplementary Payments with the following differences: 1) $250 for the insured's loss of earnings for time away from work 2) $250 for bonds due to traffic accident or violation 3) Conditions added regarding indemnitee defense coverage
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 12 04
EXCLUSIONS THAT APPLY TO BI, PD, PI AND/OR AI
Contractual Liability	Yes	Same
Professional Services	Yes	None, can be added by endorsement
Mobile Equipment (Contests Or Stunts)	Yes	Same, but does not apply to Personal/Advertising Injury
Mobile Equipment (Transportation)	Yes	Same, but does not apply to Personal/Advertising Injury
Auto, Aircraft, Watercraft Or Mobile Equipment Loading And Unloading	Yes	Same, but does not apply to Personal/Advertising Injury
Liquor Liability	Yes	Similar, but more restrictive. Excludes: · supervising allegations · transportation situations · bring your own booze operations
War	Yes, by mandatory exclusion - GL 0163	Similar language
Intentional Acts	Yes	Similar language, but does not include actions directed by or resulting from malicious acts of the insured.
Products/Completed Work Hazard	Yes	Same, found under 2. Exclusions as exceptions in items j., k., and i.
Pollution On Premises	Yes	Same except for liquid escaping from fuel tanks, etc., and hostile fire exception.
Pollution Off Premises	Yes	Same except for liquid escaping from fuel tanks etc., and hostile fire exception.
Pollution Governmental Request, Demand, or Order	Yes	Similar language
Employers Liability	Yes	Similar, but does not apply to Personal/Advertising Injury.
Workers Compensation	Yes	Same
Employment Practices	Yes	No corresponding exclusion, but an endorsement is often attached.
Personal And Advertising Injury	Yes	Similar language However, bodily injury from Personal/Advertising Injury is excluded in section 2. Exclusions, o. Personal and Advertising Injury.
Electronic Data	No Exclusion by endorsements only: GL 0957 and GL 0958	Yes. Found under 2. Exclusions, p. Electronic Data
Recording And Distribution Of Material Or Information In Violation Of Law	No exclusion in the coverage form, but contained in the mandatory GL 1022	Yes, 2. Exclusions, q. Recording and Distribution of Material or Information in Violation of Law
Lead	Mandatory exclusion GL-890	No separate exclusion but could be considered part of pollution exclusion
Data Breach	Mandatory exclusion GL 1353. PD, BI, AI, PI from confidential info breach and expenses related to it.	Property Damage from loss of use etc. of electronic damage excluded.
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
ADDITIONAL EXCLUSIONS THAT APPLY ONLY TO PERSONAL INJURY AND/OR ADVERTISING INJURY
Willful Violation Of Laws	Yes	Same
False Publication	Yes	Same, but adds words “in any manner”
Breach Of Contract	Yes	Same
Failure To Conform	Yes	Same
Advertising Injury For Specific Businesses	Yes	Similar, but internet operations are added.
Advertising Injury Due To Wrong Prices	Yes	Same
Pollution	Yes	Similar
Knowing Violation Of Rights Of Another	No corresponding exclusion	Yes
Infringement Of Copyright, Patent, Trademark, Or Trade Secret	No corresponding exclusion	Yes
Electronic Chatrooms Or Bulletin Boards	No corresponding exclusion	Yes
Unauthorized Use Of Another's Name Or Product	No corresponding exclusion	Yes
Recording And Distribution Of Material Or Information In Violation Of Law	Not excluded in the coverage form but contained in the mandatory GL 1022	Yes
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
ADDITIONAL EXCLUSIONS THAT APPLY ONLY TO PROPERTY DAMAGE
Property Owned Or Occupied By The Insured	Yes	Similar, but coverage applies to premises rented for less than 7 days, subject to the Damage to Premises Rented to You limit.
Property Sold, Given Away Or Abandoned	Yes	Same
Property Used By Or Loaned To The Insured	Yes	Same
Personal Property In The Insured's Care, Custody, Or Control	Yes	Same
Real Property Being Worked On	Yes	Same
Faulty Workmanship	Yes	Same
Damage To Products	Yes	Same
Damage To The Insured's Work	Yes	Same
Property Damage To Property Not Physically Damaged And Product Recall	Yes	Same
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
ADDITIONAL EXCLUSIONS THAT APPLY ONLY TO MEDICAL PAYMENTS	These exclusions apply in addition to the other exclusions applying to bodily injury	Same
Medical Payments To An Insured	Yes	Same
Medical Payments To Employees	Yes	Same
Medical Payments To Persons Normally Occupying The Premises	Yes	Same
Medical Payments Due To Athletic Activities	Yes	Same
Medical Payments Due To The Products/Completed Work Hazard	Yes	Same
Medical Payments To Members Of A Club	Yes	Mandatory endorsement must be attached
Medical Payments To Lodging Guests	Yes	Mandatory endorsement must be attached
Medical Payments Covered Under Workers Compensation Or Similar Coverage	Yes	Same
Medical Payments To Students, Campers, Patients, Or Inmates	Yes	Mandatory endorsement must be attached
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
WHAT MUST BE DONE IN CASE OF LOSS
Notice	Yes	Same
Cooperation	Yes	Same
Volunteer Payments	Yes	Same
Other Duties	Yes	Same
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
HOW MUCH WE PAY
Limits On Declarations	Yes	Same
Medical Payments Does Not Admit Liability	Yes	Same (wording is regardless of fault)
General Aggregate	Yes	Same
Products/Completed Work Aggregate	Yes	Same
Occurrence Limit	Yes	Same
Coverage P Limit	Yes	Same
Coverage O Limit	Yes	Same
Coverage M Limit	Yes	Same
12-month aggregate	Yes	Same
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
CONDITIONS
Bankruptcy	Yes	Same
Insurance Under More Than One Policy	Yes. Mandatory GL 1020 makes additional insured protection primary.	Same – no endorsement needed.
Misrepresentation, Concealment, Or Fraud	Yes	Similar to the representation clause, but no mention of concealment or fraud
Motor Vehicle Financial Responsibility Certification	Yes	No corresponding condition
Premium	Yes	Same
Separate Insureds	Yes	Same, except first named insured has some extra rights and responsibilities.
Subrogation	Yes	Same
Suit Against Us	Yes	Same
When We Do Not Renew	No corresponding condition	Yes
SECTION	AAIS GL–200 Ed. 1.0	ISO CG 00 01 Ed. 04 13
NUCLEAR ENERGY LIABILITY EXCLUSION	This exclusion is part of the AAIS Commercial Liability Coverage Form and is located at the back of the form	This exclusion is not part of the ISO Commercial General Liability Coverage Form but is added as a mandatory separate endorsement IL 00 21–Nuclear Energy Liability Exclusion Endorsement