What coverage a bodily injury and property damage in the commercial liability policy will cover?
Asked by: Brandt Dooley MD | Last update: September 6, 2025Score: 4.1/5 (14 votes)
What does bodily injury and property damage liability coverage mean?
Bodily injury coverage pays medical expenses for you and passengers. Property damage coverage pays the cost of repairs to your car up to $3,500. You may not need this if you have collision coverage.
Which of the following will be covered under coverage of a bodily injury and property damage in the commercial general liability policy?
Final answer: Coverage A of the Commercial General Liability (CGL) covers 'Bodily Injury and Property Damage Liability', including c) personal and advertising injury, but not damage to the insured's property, employee injuries, or customer car damages, which are typically covered by other insurance forms.
What is not covered under a CGL policy?
In summary, while CGL policies provide broad coverage for general business liabilities, policyholders should be aware of common exclusions like expected harm, contractual obligations, pollution, aircraft/watercraft, and professional services.
What is Coverage B on a commercial property policy?
Coverage B: Building Demolition
Coverage B is related to Coverage A in that it also deals with the undamaged portion of a commercial building, but it helps cover the costs related to the demolition of the undamaged portion.
What is Bodily Injury Liability Coverage?
What does a commercial property policy cover?
Commercial property insurance protects your company's physical assets from fire, explosions, burst pipes, storms, theft and vandalism. Earthquakes and floods typically aren't covered by commercial property insurance, unless those perils are added to the policy.
What does coverage A and B cover?
In general, Coverage A covers damage to the dwelling or house. Coverage B covers damage to other structures, such as a detached garage, work sheds, etc. And if you missed it, we're talking about homeowners insurance policies here.
Does CGL cover bodily injury?
CGL policies cover property damage, bodily injury, and other types of claims. This coverage will help you pay attorney fees or settlement costs in the event of a lawsuit.
What is not covered under commercial insurance?
What Commercial Property Insurance Won't CoverCommercial property insurance doesn't cover everything. Damage from earthquakes and floods may not be included under your commercial property insurance policy. Some commercial property policies won't cover damage to your property due to a windstorm or hail damage, either.
What does CGL include?
Answer: The SSC CGL exam comprises four tiers: Tier-I (Preliminary), Tier-II (Mains), Tier-III (Descriptive Paper), and Tier-IV (Skill Test/Computer Proficiency Test). Answer: Candidates with a bachelor's degree from a recognized university are eligible to appear for the SSC CGL exam.
What is coverage a bodily injury and property damage in the commercial?
Bodily injury and property damage coverage provides protection against losses from the legal liability of insureds for bodily injury or property damage to others arising out of non-professional negligent acts or for liability arising out of their premises or business operations.
Which coverage provides coverage for bodily injury and property damage liability for the premises and operations of an airport?
General Liability Insurance: Covers legal liabilities for bodily injury and property damage claims arising from airport operations. Airport Property Insurance: Protects against damage to airport facilities, including runways, hangars, and terminal buildings.
Which type of insurance protects a person or property from accidental injury?
Liability insurance provides protection against claims resulting from injuries and damage to people and/or property.
What is it called when someone damages your property?
Destruction of property encompasses vandalism (deliberate damage, destruction, or defacement), building implosion (destroying property with explosives), and arson (destroying property with fire), and similar crimes that involve unlawful infliction of damage to or destruction of personal property or real property.
What is an example of a bodily injury?
Bodily injury refers to the physical damage caused to a person's body. It can also be known as physical injury. Examples of bodily injuries could include: Cuts, abrasions, bruises, burns, and lacerations.
Is personal injury protection benefits property damage liability full coverage?
What Is Not Covered by PIP Insurance? Your personal injury protection insurance won't help cover: Property damage. The other drivers' injuries in a collision.
What does my commercial insurance cover?
Commercial insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury.
What is not for commercial use?
Non-commercial use encompasses a wide range of exciting possibilities—including artistic, educational, scholarly, and personal projects that will not be marketed, promoted, or sold.
What is not eligible to be a part of the commercial package policy?
A Commercial Package Policy must include two or more Coverage Parts. Property eligible for the Homeowners Program is not eligible for the Commercial Package Policy.
What is not covered by the CGL policy?
First-party Property Damage: A business will not receive first-party property protection through its CGL policy. This means that any incidents resulting in damage to the organization's commercial building, work materials, equipment and inventory are excluded from coverage.
Does CGL cover punitive damages?
As the CGL policy insuring agreement does obligate an insurer to pay "as damages" those sums an insured is legally obligated to pay because of bodily injury or property damage, the simple answer to the question is, "Yes, the ISO CGL policy does obligate the insurer to pay punitive damages." 12 The legal prohibition of ...
Does CGL cover medical expenses?
This coverage will pay reasonable medical bills of third parties who are injured on your premises or by your operations, subject to the per person limit listed on the policy. The limit for Medical Expense is typically $5,000.00, but this limit can be increased up to a maximum of $25,000.
What does Coverage C cover?
Personal property coverage, which is Coverage C within home insurance policies, helps to pay for your personal items that have been damaged, destroyed or stolen due to a covered peril.
What is Coverage B on a commercial policy?
Coverage B: Personal And Advertising Injury Liability
Claims can be filed for libel, slander, invasion of privacy, copyright infringement, false arrest, and even improper eviction.
What does Part A and B not cover?
Generally, most vision, dental and hearing services are not covered by Medicare Parts A and B. Other services not covered by Medicare Parts A and B include: Routine physical exams. Cosmetic surgery.