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ActiveRegulator guidancePrimary sourceSource ID tdi-cgl-guide

Commercial general liability insurance (consumer publication)

Published by Texas Department of Insurance. Jurisdiction TX.

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Exactly what this source supports

These are the only claims this record is used to carry anywhere in the library.

  • TDI states that occurrence policies cover claims arising from injury or damage occurring while the policy is in force, regardless of when the claim is first made.

    claim tdi-cgl-guide#c1

  • TDI states that claims-made policies cover claims that arise from injury or damage occurring during the policy period and reported to the insurer during the policy period.

    claim tdi-cgl-guide#c2

  • TDI lists common commercial general liability exclusions including damage to your work, damage to your product, contractual liability, recall of products, work, or impaired property, and workers' compensation and employer's liability, and also discusses pollution exclusions.

    claim tdi-cgl-guide#c3

  • Writing about surplus lines insurance, TDI states that defense costs could be included within the limit of liability, and that prior acts or run-off coverage may not be available.

    claim tdi-cgl-guide#c4

  • TDI advises policyholders to carefully review their policy and any endorsements to know exactly what the policy does and does not cover.

    claim tdi-cgl-guide#c5

Each claim above has its own address. Link to a single claim with/sources/tdi-cgl-guide#c1, and read the same list with its identifiers, checksums and dates at tdi-cgl-guide.json. A checksum lets you tell whether a claim you cited still says what it said.

Pages that cite this source

Why can two insurance policies with the same limit protect differently?

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Contract Insurance Requirements (1 check)

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Reviewer notes

Fetched 2026-08-31; last-updated date of 1/20/2021 confirmed on the page. This is Texas regulator guidance and is cited in this bundle for how the mechanisms work, not as California law. Note that TDI's claims-made description (injury during the policy period and reported during the policy period) is narrower than the NAIC description, so the two are cited separately rather than stacked on one sentence. The page does not discuss per-occurrence versus aggregate limits or sub-limits, and is not cited for those. Published: 2021-01-20 Effective: 2021-01-20

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