Renewal checking for commercial general liability
A GL renewal rarely announces what changed. The carrier re-underwrites, the declarations total looks familiar, and the difference that matters — a dropped CG 20 37, a new abuse-and-molestation exclusion, a sublimit where a full limit used to be — is buried on page 41 of the renewal forms schedule.
BindCheck lines the renewal up against the expiring GL policy and returns exactly what moved: forms added or removed, edition dates changed, limits and deductibles adjusted, additional-insured endorsements that did or didn't carry forward — as a checklist you can hand to the insured and keep in the file.
The GL forms that quietly change at renewal
General liability is the line where the form schedule does the real work, and where the most-litigated agency E&O gaps live. We track the facts of each form — number and edition date — and flag any change:
- Additional-insured forms — CG 20 10 (ongoing operations) and CG 20 37 (completed operations); a renewal that keeps 20 10 but drops 20 37 silently ends completed-ops protection.
- Primary & non-contributory and waiver-of-subrogation endorsements present last term but absent this term.
- New or broadened exclusions — communicable disease, abuse & molestation, cyber, professional services, per-project vs. general aggregate.
- Edition-date changes on the core CG 00 01 coverage form, which can narrow the grant of coverage between editions.
Dec-page numbers, compared line by line
Each occurrence, general aggregate, products/completed-operations aggregate, personal & advertising injury, medical payments, and any endorsed sublimit — prior vs. renewal, with any reduction flagged. A deductible or self-insured retention that ticked up is a coverage change even when the limits look identical.
Manuscript endorsements always get human eyes
Non-standard, carrier-drafted endorsements have no library meaning, so they can't be judged mechanically. When the renewal carries a manuscript endorsement the prior didn't, it's flagged for your review rather than silently passed — human-in-the-loop by design.
Frequently asked questions
Do you reproduce the ISO form language?
No. We record and compare form facts only — the form number, edition date and a short plain-English description of its purpose. Copyrighted ISO/AAIS form wording is never reproduced.
Can I check the renewal against the quote instead of the prior policy?
Yes. Upload whichever you want as the baseline — the expiring policy for a year-over-year check, or the accepted quote to confirm the carrier issued what you sold.
Diff your first renewal free — upload the prior policy and the renewal, and see what changed in about a minute. No signup wall, no demo call.