Commercial General Liability Coverage Exclusions Under

p. Electronic Data
Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access,
or inability to manipulate electronic data ....
• According to the F.C.&S. Bulletins, this exclusion was added to the ISO CGL Coverage
Form with the 2004 revision is “to strengthen the point” that such policies do not cover damage to
electronic data. That point is already made in the policy definition of “property damage,” which
refers only to damage to or the loss of use of “tangible property,” which electronic data is not.
Fire Legal Liability Coverage
• The final paragraph to the list of exclusions with respect to Coverage A of the CGL form
states that exclusions c through n do not apply to damage by fire to premises rented to or temporarily
occupied by the named insured with the owner’s permission, noting that a separate limit for such
coverage appears in the policy Declarations. This exception to the listing of exclusions provides
what is commonly known as fire legal liability coverage.
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