What type of injury does coverage A in a CGL specifically protect against?

Coverage A in a Commercial General Liability (CGL) policy is designed to protect against third-party bodily injury and property damage. This means that if someone outside of your business – such as a customer or a visitor – is injured on your premises or if their property is damaged as a result of your business operations, this coverage will help cover the legal fees, medical expenses, and other costs incurred due to such incidents.

This protection is essential for businesses as it shields them from financial burdens that can arise from lawsuits resulting from injuries or damages for which they may be deemed responsible. It ensures that businesses can operate without constant fear of litigation stemming from unforeseen accidents or incidents that occur during normal business activities.

The other options mention scenarios that are not covered under Coverage A. Workplace injuries typically fall under workers' compensation rather than general liability, while data breaches and intellectual property theft pertain to other areas of law and risk management, which are not addressed by a CGL policy. Hence, the focus of Coverage A is specifically on third-party claims for bodily injury and property damage.