Scott,

For a CGL policy the coverage territory is the U.S. and it's territories. This coverage is expanded to anywhere is the world for BI and PD claims that result from a completed product. if that product is made in the defined territory.

For example a child swallows and chokes on a toy in a kid's meal from a fast food restaurant. That toy was manufactured in the US and the child lives in London. Although that is not a covered territory under a CGL, since the claim involves bodily injury from a toy manufactured in the US, they can file a claim. However, the claim must be filed in the US or its' territories.

Jan