FICTIONAL DOCUMENT-REVIEW EXERCISE — NOT AN AUTHENTIC RECORD
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RECORD 1: COMMERCIAL GENERAL LIABILITY (CGL) COVERAGE FORM (EXCERPT)
Policy No.: CGL-2025-HL-9941
Named Insured: Harborfront Logistics Services LLC (Savannah, GA)
Carrier: Atlantic Maritime & Commercial Underwriters Inc.
Policy Period: 2025-10-01 to 2026-10-01
Base Form: Invented teaching excerpt (not an authentic ISO form)

SECTION I — COVERAGES
COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY
1. Insuring Agreement
a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury" or "property damage" to which this insurance does not apply.
b. This insurance applies to "bodily injury" and "property damage" only if:
   (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory";
   (2) The "bodily injury" or "property damage" occurs during the policy period.

2. Exclusions (Baseline)
g. Aircraft, Auto Or Watercraft
   "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading".
   Exception to Exclusion g:
   This exclusion does not apply to:
   (1) A watercraft while ashore on premises you own or rent;
   (2) A watercraft you do not own that is:
       (a) Less than 26 feet long; and
       (b) Not being used to carry persons or property for a charge.
