Which type of liability is covered under Coverage A of CGL?

Coverage A of the Commercial General Liability (CGL) policy specifically addresses bodily injury and property damage liability. This means it provides coverage for claims resulting from injuries to individuals or damage to property that occur as a result of business operations, products, or premises. The purpose of this coverage is to protect businesses from lawsuits or claims that arise from everyday activities or operations that inadvertently cause harm or damage to third parties.

Bodily injury liability pertains to physical injuries suffered by individuals due to an incident related to the business. Property damage liability covers damages inflicted on someone else's property as a result of business activities. This core coverage is fundamental to CGL policies and is essential for protecting businesses against potentially significant financial losses stemming from such incidents.

The other types of liability listed in the options do not fall under Coverage A. For example, personal injury liability refers to non-physical offenses such as defamation or invasion of privacy, which is covered under Coverage B of the CGL. Professional liability pertains to errors or omissions in professional services, which is not covered under a standard CGL policy as it typically requires a separate professional liability insurance. Lastly, intentional acts liability refers to damages that are deliberately inflicted; such actions are usually excluded from coverage due to their willful nature