One of the main components of a comprehensive insurance program for any business, and especially contracting operations, begins with Commercial General Liability (CGL) insurance. This type of policy generally provides coverage in the event of bodily injury and/or property damage liability claims arising out of premises or products liability, and one’s ongoing or completed operations exposures. While this type of policy is named to infer that it provides very broad (general) coverage, it doesn’t cover everything and, often, particularly when written with Excess/ Surplus (E&S) lines insurers, can potentially include materially damaging exclusions and coverage limitations. E&S insurers typically cover difficult or high-risk exposures or industries that the standard market generally shies away from.