Question

James runs a window washing business and services a lot of the city's large skyscrapers. While out on a job, James accidentally knocks the wash bucket off his scaffold from seven stories up. It lands on a parked car, injuring no one, but causing $12,000 in damage to the vehicle. What type of coverage in James' Commercial General Liability policy would a claim for this damage fall under?

A. Operations Liability
B. Product Liability
C. Premises Liability
D. Falling Objects Coverage

Answer 1

The damage caused by James' wash bucket falling on a parked car would be covered under Operations Liability in his Commercial General Liability insurance policy (A).

Step-by-step explanation:

The correct type of coverage in James' Commercial General Liability (CGL) policy for the damage caused when he accidentally knocked the wash bucket off his scaffold would fall under Operations Liability.

This coverage part of a CGL policy is intended to cover bodily injury or property damage that occurs as a direct result of the operations conducted by the insured. Since the damage to the car was a result of James' window washing operations, it would be covered by this part of his liability policy.