What does coverage A of the Commercial General Liability (CGL) form provide coverage for?

Coverage A of the Commercial General Liability (CGL) form specifically provides coverage for "bodily injury" and "property damage" that the insured is legally obligated to pay due to an occurrence in the course of business operations. This means that it primarily covers physical injury or death to third parties, as well as damage to their property caused by the insured's operations or activities.

This coverage is essential for businesses as it protects them against claims from third parties who may suffer an injury or have their property damaged due to the business's operations. Overall, Coverage A is a foundational component of the CGL policy aimed at safeguarding businesses from a variety of liability exposures arising from their activities.

The other options refer to different types of coverage included in the CGL form—personal injury claims involve non-physical injuries caused by offenses like defamation, while advertising injury covers liabilities arising from the insured’s advertising practices.