Question

Which of the following is true concerning the definition of "accident" under the CGL (Commercial General Liability)?

1. An accident may include continuous and repeated exposure to the same condition
2. The accident must occur within the state where the insurance policy is written
3. An accident must be a one-time occurrence, defined by time
4. None of the above are true

Answer 1

The true statement about the definition of an "accident" under a CGL policy is that it may include continuous and repeated exposure to the same harmful condition.

Step-by-step explanation:

Within the scope of a Commercial General Liability (CGL) policy, the correct statement regarding the definition of an "accident" is: An accident may include continuous and repeated exposure to the same condition. This means that an accident does not need to be an isolated, one-time event. Instead, the damage could be the result of consistent exposure to certain conditions over a period of time, which is often the case with occupational hazards or environmental exposures.

It is not required that the accident occur within the state where the insurance policy is written, nor must it be a one-time event defined by a specific time frame. The definition of an accident in a CGL context is broader and takes into account the complex nature of liability claims.