General Liability Course I

This comprehensive course is designed to train new underwriting team members on the essential knowledge, processes, and system skills required to work confidently with Commercial General Liability (GL) policies at Greenwood.

You’ll start by learning what GL insurance is, what it covers, and what it excludes, with a detailed look at each coverage component — from Premises Liability to Products/Completed Operations, Personal/Advertising Injury, Fire Damage, Medical Expense, and policy limits. You’ll also explore optional coverages like Liquor Liability, Professional Liability, Excess Liability, and Employment Practices Liability, understanding when they’re necessary and why they’re excluded from standard GL policies.

From there, you’ll master policy structure concepts such as occurrence vs. claims-made forms, endorsements, and how inspections and standardized applications (ACORD forms) feed into underwriting decisions. You’ll learn the foundations of classification and rating, including rating bases for different industries, and see how a business’s legal structure impacts liability exposure.

The final modules take you inside Greenwood’s real-world workflow — understanding the role of an MGA/MGU in the insurance distribution chain, and navigating the BM Tec system from quote to bind. You’ll follow step-by-step system procedures, spot potential compliance errors, and understand how accurate data entry and eligibility checks protect both the carrier and the insured.

By the end of this course, you will be able to:

• Explain the scope, limitations, and triggers of GL coverage
• Match real-world claims to the correct coverage part or optional policy
• Apply occurrence vs. claims-made logic to claim scenarios
• Identify when to recommend endorsements or additional coverage
• Correctly complete and interpret ACORD 125 and 126 forms
• Classify businesses accurately and apply the correct rating basis
• Understand MGA/MGU authority and responsibilities
• Complete the BM Tec quoting and binding process without missing key steps

This course blends industry fundamentals, underwriting logic, and operational workflows, ensuring you can go from learning to doing in a single structured program. Quizzes, examples, and real-world case studies will prepare you to handle live submissions with accuracy and confidence.