What is excluded under the CGL policy?
Asked by: Jade Rempel | Last update: April 24, 2025Score: 4.6/5 (37 votes)
What does a CGL policy exclude?
Intentional acts are one of the most common commercial liability insurance exclusions. Your policy won't cover claims that are caused by wrongful acts, such as damaging a customer's property on purpose.
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.
Which of the following expenses are excluded in the typical 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 are the usual exclusions under the personal articles policy form?
The personal articles policy ensures that your items are covered for theft, loss, or misplacement, as well as a mysterious disappearance. The rule of thumb is that it's covered for everything except for what's specifically excluded. These exclusions usually include wear and tear, or unlikely events.
California Property and Casualty Insurance Exam Free Practice Questions
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 damages are covered by a CGL policy?
Business Insurance
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 CGL cover all except?
While every CGL policy is unique, certain exclusions are common across most policies. CGL policies generally exclude injury or damage caused by harmful, intentional or wrongful acts, pollution liability, professional liability, workers' compensation claims and vehicle liability.
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.
Who is not an insured under a CGL policy?
Under the CGL policy, a corporate parent is not afforded coverage as an insured. Subsidiaries are afforded coverage in limited instances.
Is discrimination covered under a CGL policy?
No. Suits for discrimination DO NOT fall into any of the categories (bodily injury, property damage, or personal injury) included in your CGL or standard business owner's policy. Some business owners *may* have protection as a part of their employment practices liability (EPLI) coverage.
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.
What's covered under the CGL coverage form?
A CGL policy will cover property damage or bodily injury that you cause to another individual. This is the bread and butter of business insurance, and every business needs it.
Does a CGL policy cover liquor liability?
Yes, it is true that the commercial general liability policy does cover host liquor liability. But there is a catch. It only covers host liquor liability for organizations not in the industry of manufacturing, distributing, selling, serving, or furnishing alcoholic beverages.
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 include product liability?
Comprehensive General Liability (CGL) policies generally provide coverage for product liability under the “products hazard” provision. The primary purpose of CGL insurance is to cover legal liability of the policyholder for accidents happening away from the premises owned, rented or controlled by the policyholder.
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 intellectual property?
In some instances, commercial general liability (CGL) insurance will help you in intellectual property disputes, and we regularly recommend that clients speak with an insurance broker to determine the right coverage for their business.
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.
Does CGL include property damage?
Coverage A of a CGL policy generally covers accidental property damage and bodily injury. For example, if a subcontractor working on your behalf damages a client's property, this would typically be covered. However, damage to your own work or product is excluded unless the damage was caused by a subcontractor.
Who is not considered an employee in a CGL policy?
In a commercial general liability policy, independent contractors and volunteers are typically not considered as employees since they are not under the direct control or management of the business.
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.
Are defense costs covered in CGL?
Defense costs endorsements are nonstandard commercial general liability (CGL) endorsements stating that if the insurer agrees to provide a defense to an insured, but it is later determined that the claim would not be covered by the policy, the insurer is entitled to reimbursement of defense costs incurred up to that ...
Is breach of contract covered by CGL?
The lesson to be learned here is that CGL and umbrella insurance cover potential liability for bodily injury and property damage. CGL and umbrella insurance policies are not meant to cover breach of contract damages.