In the CGL, which coverage handles bodily injury and property damage claims?

In the CGL, which coverage handles bodily injury and property damage claims?

• A. Coverage A
• B. Coverage B
• C. Coverage C
• D. Medical Payments

Answer: (A)

In a Commercial General Liability policy, the protection for bodily injury and property damage claims is provided by the liability coverage, which is the part typically labeled as Coverage A. This coverage responds to claims or lawsuits where the insured is legally liable for physical injuries to a person or damage to someone else’s property, arising from the insured’s premises, operations, products, or completed operations. It also covers defense costs and any settlements or judgments up to the policy limits. Medical Payments, by contrast, pays fixed medical expenses to third parties regardless of fault, and does not address legal liability. Coverage B covers personal and advertising injury, such as libel or copyright concerns, not bodily injury or property damage. Coverage C is the medical payments coverage. Therefore, the coverage that handles bodily injury and property damage claims is the liability coverage.

In a Commercial General Liability policy, the protection for bodily injury and property damage claims is provided by the liability coverage, which is the part typically labeled as Coverage A. This coverage responds to claims or lawsuits where the insured is legally liable for physical injuries to a person or damage to someone else’s property, arising from the insured’s premises, operations, products, or completed operations. It also covers defense costs and any settlements or judgments up to the policy limits.

Medical Payments, by contrast, pays fixed medical expenses to third parties regardless of fault, and does not address legal liability. Coverage B covers personal and advertising injury, such as libel or copyright concerns, not bodily injury or property damage. Coverage C is the medical payments coverage. Therefore, the coverage that handles bodily injury and property damage claims is the liability coverage.