In the commercial insurance industry, the Commercial General Liability (CGL) policy is the most prevalent product. CGL policies are the most common form of liability insurance purchased by both public and private sectors throughout the United States. CGL policies are the most litigated insurance product in the marketplace. CGL policies provide the insured with the broadest spectrum of protection and, most importantly, they transfer to the insurer the risk of all liabilities for unintentional and unexpected personal injury or property damage arising out of the conduct of the insured's business.