• Run the five-family exposure survey (people, property, liability, net income, operations) before quoting any commercial risk.
• Distinguish CGL Coverage A, B, and C and explain duty to defend and defence-cost treatment.
• Compare occurrence and claims-made triggers and explain retroactive date and tail coverage.
• State per-occurrence vs. aggregate limits and how erosion works.
• Apply named-perils vs. all-risk on commercial property and explain stock valuation options.
• Distinguish gross earnings, ALS, and contingent BI; explain indemnity period.
• Map crime coverages: employee dishonesty, theft, forgery, computer/funds-transfer fraud, social engineering.
• Explain commercial auto vs. garage policy vs. fleet rating; cite typical liability limits.
• Identify when professional E&O, D&O, EPL, and cyber are needed alongside CGL.
• Distinguish a surety bond (three parties, recovery against principal) from an insurance policy.
• Name the headline CGL exclusions (pollution, CCC, employer liability, auto, contractual, products recall) and the specialty product that fills each gap.