Question

Which of the following losses would be covered by Coverage A of the Commercial General Liability coverage form?

a) Damage to the insured's property
b) Bodily injury to an employee
c) Personal and advertising injury
d) Liability for damage to a customer's car

Answer 1

Coverage A of the Commercial General Liability (CGL) covers 'Bodily Injury and Property Damage Liability', including c) personal and advertising injury, but not damage to the insured's property, employee injuries, or customer car damages, which are typically covered by other insurance forms.

Step-by-step explanation:

The student is asking about Coverage A of the Commercial General Liability (CGL) coverage form, which is part of business liability insurance.

Coverage A specifically refers to 'Bodily Injury and Property Damage Liability' and is designed to cover the insured in case of legal liability for bodily injury or property damage to others.

Of the options provided, the one that would be covered by Coverage A of the Commercial General Liability coverage form is (c) Personal and advertising injury.

This typically involves injury that arises from the insured's business operations or advertising activities.

Coverage A does not cover damage to the insured's own property, bodily injury to an employee (which is usually covered by workers' compensation), or liability for damage to a customer's car, which might fall under a different part of the policy or a different form of insurance altogether.