What does CGL include?

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.

What are not qualified medical expenses?

Medical care expenses must be primarily to alleviate or prevent a physical or mental disability or illness. They don't include expenses that are merely beneficial to general health, such as vitamins or a vacation.

What are the sections of CGL?

As per the SSC CGL pattern for Tier 1, the paper consists of 4 sections – General Intelligence & Reasoning, English Language & Comprehension, Quantitative Aptitude and General Awareness. The exam will be conducted online for a total of 200 marks for 100 questions.

What is the deductible on a CGL policy?

What is a commercial general liability insurance deductible? A commercial general liability insurance deductible is the amount that a policyholder must pay out of pocket before their insurance coverage applies. The deductible can vary depending on the policy and the specific terms and conditions of the coverage.

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 claims fall under general liability?

How Do General Liability Insurance Claims Work? General liability insurance covers bodily injuries and property damage claims that your business may have caused. If someone reports a claim or sues your business for one of these reasons, your general liability policy can help pay your costs to respond to it.

Does CGL cover loss of use?

The starting point is the CGL's Coverage A which typically provides coverage for “bodily injury and property damage liability”. In turn, “property damage” is typically defined to include the “loss of use of tangible property that is not physically injured”.

What are the three areas of general liability?

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 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.

Which of the following would not be considered an occurrence according to a CGL policy?

Final answer: An intentional act by the insured resulting in harm would not be considered an "occurrence" under a CGL policy and is therefore not covered, as CGL policies generally exclude coverage for intentional harms.

What is excluded under the CGL policy?

These provisions generally exclude (1) coverage for property that the insured has management and control over and for which separate first-party property insurance should be obtained; (2) and property damage caused by the insured's faulty workmanship or products, which commercially the insured has to stand behind and ...

What does CGL cover?

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. General liability insurance definitions can get confusing.

What does a CGL provide liability coverage for?

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).

How many coverage parts are in a CGL policy?

Commercial General Liability (CGL) is the standard commercial liability policy used to insure businesses. There are three primary coverage sections that make up a CGL policy: premises liability, products liability and completed operations.

What are CGL forms?

The commercial general liability (CGL) policy is a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) ...

What does the IRS consider qualified medical expenses?

Medical expenses are the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and for the purpose of affecting any part or function of the body. These expenses include payments for legal medical services rendered by physicians, surgeons, dentists, and other medical practitioners.

Is a gym membership a qualified HSA expense?

Gym memberships. While some companies and private insurers may offer discounts on gym memberships, you generally can't use your FSA or HSA account to pay for gym or health club memberships. An exception to that rule would be if your doctor deems fitness medically necessary for your recovery or treatment.

Which type of expenses will not be paid by medical payments coverage?

Medical Payments Coverage does not cover:

Wage reimbursement if you're unable to work due to your injuries. Medical costs for injuries to other drivers involved in an accident. Any medical treatments that aren't related to the auto accident.