When does a CGL policy usually respond to incidents?

A Commercial General Liability (CGL) policy typically responds to incidents that occur anytime during the policy term, as long as the claims are reported within the policy's specified reporting period. This is primarily because CGL policies are designed to provide coverage for any occurrence that happens within the coverage period, regardless of when the claim is reported.

The nature of liability insurance is to protect the insured from claims arising from incidents that occurred during the time the policy is active. This means if an event happens and is connected to the insured’s operations, it can still be eligible for coverage as long as it complies with the policy's terms.

The focus is on the timing of the incident relative to the policy term rather than the timing of when the incident is reported. This approach allows businesses to have peace of mind, knowing they are protected for any qualifying claims as long as they arise from incidents during the coverage period.