Last verified: 8 September 2026. Umbrella stack: umbrella / excess.
Direct Answer: Standard ISO CGL (CG 00 01) is three agreements. A = bodily injury and property damage from an occurrence. B = listed personal and advertising offenses. C = limited no-fault medical payments. Most CG 00 01 forms are occurrence for Coverage A. Do not teach CGL as claims-made.
Occurrence = accident, including continuous or repeated exposure to substantially the same general harmful conditions. $1M CGL + $3M following-form umbrella is $4M vertical if the underlying is scheduled — not $3M.