What are territorial limits, jurisdiction and choice of law?

  • Territorial Limits define where in the world the loss can occur. If the territorial limits exclude USA/Canada then a loss arising in the USA would not be covered.
    • The Camargue General Liability policy’s territorial limits exclude losses arising in USA/Canada when the Insured is domiciled there.
  • Jurisdiction defines where a claim may be brought against the Insured. If the Jurisdiction excludes USA/Canada then even though the loss occurred in SA, there would be no cover if the matter was heard in a Canadian court.
    • The CGL policy’s jurisdiction is worldwide except USA/Canada
  • Choice of law defines which court will preside over any disputes between the Insured and the Insurers.
Introduction to Liability