Opinion ID: 2166307
Heading Depth: 2
Heading Rank: 1

Heading: Purposes behind Commercial General Liability Policies

Text: As we consider the policy sub judice, we are mindful that this Court has recognized that [t]he primary purpose of a comprehensive general liability policy is to provide broad comprehensive insurance. See Brown Found., 814 S.W.2d at 278. Further, the very name of the policy suggests the expectation of maximum coverage. Id. To that end, this Court stated that [a]ll risks not expressly excluded [under the CGL policy] are covered, including those not contemplated by either party. Id. In Brown Found., this Court recognized that [t]he insurer's responsibility under a comprehensive policy is not measured by its intent. Id. at 277. Rather, [t]he insured is entitled to all coverage he may reasonably expect under the policy. Id. As it relates to exclusions in a CGL policy, this Court made it clear that [o]nly an unequivocal, conspicuous and plain and clear manifestation of the company's intent to exclude coverage will defeat this expectation. Id.