What three types of Liability coverages are included in the Commercial General Liability (CGL) Coverage Form?

The Commercial General Liability (CGL) Coverage Form is designed to protect businesses against various types of liability claims. The correct answer identifies the three specific types of coverages included in the CGL.

Coverage A addresses Bodily Injury and Property Damage, providing protection against claims that result from injuries to third parties or damage to their property caused by the business or its operations. This coverage is fundamental for any business, as it shields against the financial consequences of causing physical harm or property loss.

Coverage B covers Personal and Advertising Injury, which includes claims related to defamation, invasion of privacy, or false advertising. This is particularly important for businesses engaged in marketing and advertising, as it protects against potential legal actions stemming from these activities.

Coverage C pertains to Medical Payments, which offers a no-fault option for medical expenses incurred by third parties due to accidents on the business premises, regardless of whether the business was liable. This coverage allows for quick resolution of medical claims and helps maintain goodwill in the community.

Understanding these specific coverages helps businesses ensure they are adequately protected against a range of liability risks they may face. By differentiating these coverages, businesses can better assess their risk exposures and ensure they have the appropriate insurance in place.