What coverages are included in a Commercial general liability insurance policy?

Answer 1

The insurer's general undertaking in most liability policies is to pay those sums that the insured becomes legally liable to pay as damages because of bodily injury or property damage to which the insurance applies. The insurer also undertakes to defend the insured against any suit seeking those damages for bodily injury or property damage to which the insurance applies (which means that the insurer hires an attorney and pays related attorney's fees and court costs). These coverages are included under Coverage "A" of the Commercial General Liability policy (hereafter, CGL).

Coverage "B" provides protection for personal and advertising injury (distinct from "personal injury").

Coverage "C" provides medical payments coverage for an injured person .

There are many exclusions to the coverage provided in the standard CGL policy, which must be filled by endorsements or speciality policies in order for the insured to have truly comprehensive coverage.