Which statement best describes the required duties after a loss for a CGL policy?

Which statement best describes the required duties after a loss for a CGL policy?

• A. Refrain from sharing information with anyone
• B. Immediate filing of a lawsuit against the insured
• C. Renegotiate terms with the insurer
• D. Prompt notice to insurer; cooperation with investigation; preservation of evidence; access to records

Answer: (D)

In a CGL policy, after a loss the insured has to help the insurer move the claim along. The most complete and accurate description is to promptly notify the insurer, cooperate with the investigation, preserve all relevant evidence, and allow access to records as needed. Prompt notice gives the insurer a chance to start reviewing the claim while memories and sources of information are fresh; cooperation means the insured provides facts, documents, and truthful information the insurer needs to assess coverage and defend against claims; preserving evidence prevents important items from being lost or destroyed and keeps physical or digital proof intact for the defense and liability determination; access to records ensures the insurer can review contracts, invoices, communications, and other documents that affect liability and coverage. The other options miss these essential duties—they either constrain communication improperly, suggest actions like suing the insured that aren’t duties, or talk about renegotiating terms, which isn’t a required post-loss duty.

In a CGL policy, after a loss the insured has to help the insurer move the claim along. The most complete and accurate description is to promptly notify the insurer, cooperate with the investigation, preserve all relevant evidence, and allow access to records as needed. Prompt notice gives the insurer a chance to start reviewing the claim while memories and sources of information are fresh; cooperation means the insured provides facts, documents, and truthful information the insurer needs to assess coverage and defend against claims; preserving evidence prevents important items from being lost or destroyed and keeps physical or digital proof intact for the defense and liability determination; access to records ensures the insurer can review contracts, invoices, communications, and other documents that affect liability and coverage. The other options miss these essential duties—they either constrain communication improperly, suggest actions like suing the insured that aren’t duties, or talk about renegotiating terms, which isn’t a required post-loss duty.