Commercial General Liability

The Commercial General Liability (CGL) Policy provides coverage for the University, its directors, officers, faculty and staff when acting within their duties as such. It covers claims arising from negligent acts and/or omissions resulting in bodily injury and/or property damage on the University’s premises, when someone is injured in the general course of University operations away from campus, or as the result of a product or service manufactured, distributed or provided by the University. It includes basic coverage for (social host) liquor liability as well.

Harvard students are also considered as insured under the University’s CGL policy but only to the extent they are engaged in approved activities as part of a Harvard academic program or are officially representing the University in whatever activity that leads to or directly contributes to a negligence claim against them. Coverage also applies to student activities related to public service programs or other off campus educational experiences when done as part of the curriculum approved, in advance, by the Dean’s office of the relevant school.

Students participating in a University-sponsored internship, either on a Harvard campus or elsewhere, are covered under the Master General Liability Program. See Internships, Study Abroad, and Independent Coursework for details.

The University’s Master CGL Program applies only to legal liability risks where the original suit for damages is brought in the United States, Canada, or any of the U.S. territories. See Special Purpose Insurance for a coverage regarding international operations and business matters.

Commercial General Liability Coverage Summary (PIN Required)

CRICO Insurance Coverage basics