Do CGL policies usually include a deductible on the liability portion?

Do CGL policies usually include a deductible on the liability portion?

• A. Yes; most include a deductible.
• B. No; most do not have a deductible on liability; some endorsements may implement a deductible in rare cases.
• C. Only for property damage.
• D. A deductible applies to all claims.

Answer: (B)

In a Commercial General Liability policy, the liability portion is not typically bought with a per‑claim deductible. Most CGL forms provide coverage for third‑party bodily injury and property damage up to the policy limits without a deductible on the liability portion. In practice, defense costs and settlements are handled within those limits, and the insured doesn’t pay a deductible out of pocket for each claim. There are rare cases where an endorsement might add a deductible to the liability coverage, but that’s not the standard structure. Endorsements that introduce a deductible are unusual and would be clearly noted in the policy. The other options don’t fit because deductibles on liability aren’t the common baseline, and deductibles aren’t typically applied only to property damage or to all claims universally.

In a Commercial General Liability policy, the liability portion is not typically bought with a per‑claim deductible. Most CGL forms provide coverage for third‑party bodily injury and property damage up to the policy limits without a deductible on the liability portion. In practice, defense costs and settlements are handled within those limits, and the insured doesn’t pay a deductible out of pocket for each claim.

There are rare cases where an endorsement might add a deductible to the liability coverage, but that’s not the standard structure. Endorsements that introduce a deductible are unusual and would be clearly noted in the policy. The other options don’t fit because deductibles on liability aren’t the common baseline, and deductibles aren’t typically applied only to property damage or to all claims universally.