What does CGL cover all except?
Asked by: Aliyah Bartoletti | Last update: April 22, 2025Score: 4.7/5 (73 votes)
What is not covered under CGL insurance?
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.
What is excluded in a general liability policy?
Comprehensive general liability insurance doesn't cover claims related to catastrophic risks. These scenarios include “acts of god” (e.g., earthquakes, floods, and earth movements like mudslides), as well as hostile acts such as damage from wars and riots.
Which of the following is excluded under coverage A of the CGL?
Answer: Coverage A of the General Liability Policy excludes intentional property damage caused by an employee. It covers injuries or damages that are accidental, not intentional wrongful acts. Property damage caused intentionally by an employee is excluded under Coverage A of the General Liability Policy.
What does a CGL policy cover?
Commercial General Liability (CGL) insurance protects business owners against claims of liability for bodily injury, property damage, and personal and advertising injury (slander and false advertising).
Does CGL Cover Pollution?
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 do CGL policy limits apply regardless of?
(ISO), commercial general liability (CGL) insurance policy begins by making it clear that the limits shown in the declarations fix the most the insurer will pay regardless of the number of insureds, claims made, or suits brought or persons or organizations making claim or bringing suits.
What is excluded from coverage?
An exclusion is a provision within an insurance policy that eliminates coverage for certain acts, property, types of damage or locations. Things that are excluded are not covered by the plan, and excluded costs don't count towards the plan's total out-of-pocket maximum.
Which of the following is not a covered territory for a CGL policy?
Final answer: Mexico is not typically covered under a standard Commercial General Liability (CGL) policy, which generally includes the United States, its territories and possessions, Puerto Rico, and Canada.
Does CGL cover mobile equipment?
As most commercial insurance practitioners know, the CGL policy is intended, in most cases, to provide liability coverage, with no additional charge, for bodily injury and property damage arising out of the ownership, operation, maintenance or use of mobile equipment.
What are the major exclusions of the policy?
The three major types of Exclusions are: Excluded perils or causes of loss. Excluded losses. Excluded property.
What liability can be excluded?
Exclude liability for specific events that are identified in the contract as cases of 'force majeure'. Exclude liability for some categories of losses, such as indirect or consequential losses or loss of profits. Limit liability to a specific amount, setting a 'cap' to the sums payable in damages related to a breach.
What liabilities are not covered under a commercial general liability policy?
Commercial general liability does not provide protection against intentional damages, or any type of accident involving automobiles, aircraft, or watercraft.
Does CGL cover breach of contract?
CGL and umbrella insurance policies are not meant to cover breach of contract damages.
Is theft covered under a CGL policy?
General liability insurance doesn't cover theft or burglary, but a commercial property insurance policy does. Commercial property insurance helps protect your business' physical assets, like your building, equipment, tools, inventory, furniture and personal property.
Does CGL cover independent contractors?
Liability coverage under a commercial package policy (CPP), businessowners policy (BOP), or commercial general liability (CGL) policy may not automatically provide coverage for independent contractors. However, endorsements can provide the coverage a business needs to protect itself from its contractors' liability.
What does CGL not cover?
Key Exclusions in Commercial General Liability Policies
One of the most significant CGL exclusions is for expected or intended harm. Injuries or damage that the policyholder intentionally caused will not be covered. Similarly, contractual liability arising from assumed contractual obligations is typically excluded.
What is the coverage of CGL?
A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.
What does a CGL provide liability coverage for?
Commercial general liability insurance, or CGL insurance, helps protect your business from claims that it caused bodily injuries or damage to another person's property. This coverage is also known as general liability insurance or business liability insurance.
What is the exception of coverage?
An exception request is a type of appeal that you can file with your health insurance company when a medication is not covered on the list of drugs covered by your plan, also known as a formulary.
What are benefit exclusions?
What Is a Benefits Payable Exclusion? A benefits payable exclusion is a clause in insurance policy contracts that removes the insurer's responsibility for paying claims related to employee benefits.
Can my husband drive my car if he is not on my insurance?
Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.
Which of the following is not covered by the CGL?
Pollution. If the discharge of pollutants from the premises causes bodily injury, the CGL excludes coverage. This is regardless of whether the release of pollutants was sudden or gradual or where the release occurred.
Does CGL cover data breach?
As mentioned above, CGL policies generally do not cover cyber liability. Some policies may claim cyber liability protection, but that coverage is minimal. Despite this, many people still hold the common misconception that CGL includes comprehensive cyber coverage.
Does CGL cover consequential damages?
The rule that the standard CGL language providing coverage for damages “because of” property damage includes consequential damages having a causal connection to covered property damage is followed by the majority of courts that have considered the question.