Question

While repairing a stairway for a customer, an employee of Mike's Construction Company accidentally drops a hammer and injures someone walking by. This situation falls under which exposure of Mike's Commercial General Liability policy?

Answer 1

The hammer dropping incident is covered under the Bodily Injury and Property Damage liability coverage of Mike's Construction Company's Commercial General Liability policy.

Step-by-step explanation:

The situation where an employee of Mike's Construction Company accidentally drops a hammer and injures someone falls under the Commercial General Liability (CGL) policy of the company. Specifically, it would be considered part of the Bodily Injury and Property Damage (BI & PD) liability coverage. This portion of the CGL policy is intended to protect businesses against the risk of financial loss due to legal liability for bodily injury or property damage to others caused by accidents on the company's premises or as a result of the company's operations, such as the described accident.