Question

A Commercial General Liability policy could protect a business in all of the following situations, EXCEPT:

A. An employee moving a pallet of plasma televisions accidentally hits the brakes. The pallet falls, destroying the stack of televisions.
B. A consumer purchases an appliance from XYZ Company. When the consumer plugs in the appliance, it catches on fire and burns down the consumer's kitchen.
C. An employee gets in a fight with a customer and tackles the customer to the floor, causing serious back injuries to the customer.
D. A woman is browsing through an antique store when a shelf collapses on top of her, causing her serious injuries.

Answer 1

A Commercial General Liability policy could protect a business in all of the given situations, except when the business itself causes property damage.

Step-by-step explanation:

A Commercial General Liability policy could protect a business in all of the following situations, EXCEPT:

1. An employee moving a pallet of plasma televisions accidentally hits the brakes. The pallet falls, destroying the stack of televisions.
2. A consumer purchases an appliance from XYZ Company. When the consumer plugs in the appliance, it catches on fire and burns down the consumer's kitchen.
3. An employee gets in a fight with a customer and tackles the customer to the floor, causing serious back injuries to the customer.
4. A woman is browsing through an antique store when a shelf collapses on top of her, causing her serious injuries.

A Commercial General Liability (CGL) policy provides coverage for bodily injury, property damage, and personal and advertising injury caused by the business operations. In the given scenarios, situations B, C, and D are all covered by a CGL policy. However, situation A, where an employee accidentally damages the stack of televisions, would not be covered by a CGL policy as it falls under the category of property damage caused by the business itself.