Which coverage of the CGL provides bodily injury and property damage liability?

Which coverage of the CGL provides bodily injury and property damage liability?

• A. Coverage A
• B. Coverage B
• C. Coverage C
• D. Coverage D

Answer: (A)

In a Commercial General Liability policy, the portion that covers bodily injury and property damage liability is the liability protection that kicks in when the insured is legally responsible for injuries to people or damage to others’ property arising from the business’s operations, products, or premises. It pays for those damages up to the policy limits and typically includes defense costs in lawsuits. This is distinct from medical payments, which cover medical expenses for injuries regardless of fault, and from personal and advertising injury, which covers things like libel, slander, or advertising-related claims. So the coverage that provides BI and PD liability is the main liability protection within the CGL.

In a Commercial General Liability policy, the portion that covers bodily injury and property damage liability is the liability protection that kicks in when the insured is legally responsible for injuries to people or damage to others’ property arising from the business’s operations, products, or premises. It pays for those damages up to the policy limits and typically includes defense costs in lawsuits. This is distinct from medical payments, which cover medical expenses for injuries regardless of fault, and from personal and advertising injury, which covers things like libel, slander, or advertising-related claims. So the coverage that provides BI and PD liability is the main liability protection within the CGL.