There are companies that offer CGL coverage to individuals with a Personal Liability endorsement for the PL exposures at the property. But, both coverages are within the single limit. I think Northland does this...but don't hold me to it.

Try Penn-Star Insurance co. Access them via Bliss & Glennon, Morgan Hill.

There are companies out there selling CGL coverage to residential contractors in tough states like AZ. These certain companies are offering CGL on an occurence form but with a prior work exclusion (not just prior damage). To me this is a risky way to sell coverage. It is claims-made coverage disguis...