Which of the following is not covered by the CGL?

Asked by: Allen Swift  |  Last update: March 21, 2025
Score: 4.7/5 (72 votes)

The CGL Coverage Form excludes liability for bodily injury and property damage arising out of acts of employees.

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.

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.

Which of the following is not covered by general liability insurance?

General liability insurance doesn't cover employee injuries and illnesses. If one of your workers gets sick or hurt on the job, and that employee files a work-related injury lawsuit against your business, you would need employer's liability insurance to provide coverage for this.

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 Covered Under General Liability and What Is Not?

40 related questions found

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.

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.

Which of the following is not a function of general insurance?

The functions of insurance are risk sharing, assisting in capital formation, economic progress, etc. Lending of funds is not a function of insurance. It is a function of banks.

Which of the following is not liability coverage?

The type of coverage that is NOT a major type of liability coverage in a standard auto insurance policy is Collision. Liability coverage typically includes bodily injury and property damage, but collision coverage is for your own vehicle's damages when you are at fault.

Which limit is not included in the general aggregate limit?

Under some commercial general liability (CGL) policies, the general aggregate limit applies to all covered bodily injury (BI) and property damage (PD) (except for injury or damage arising out of the products-completed operations hazard) and all covered personal and advertising injury.

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.

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.

Which is an insured under a CGL quizlet?

A customer injured on the premises is covered under a CGL. Employees are covered under Workers' Compensation and a sole proprietor's spouse is considered an insured and is not covered.

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 policy cover fire?

If a fire originating from a business spreads and causes damage to another business, the CGL policy of the responsible business should typically cover any resulting covered damages of the affected business.

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.

Which of the following expenses are excluded in the typical 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.

What is not included in liabilities?

Answer and Explanation: Current liability does not include long term loans, bank overdrafts, and assets. This is because current liability includes short term financial tasks, that is, obligations in the business, which are less than one year.

What is not a general insurance?

Life Insurance is not a type of general insurance.

Which of the following is not part of an insurance policy?

Final answer:

Among the provided options, the Certificate of Authority is not a part of an insurance contract. It refers to a document given to an insurance company to permit them to operate within a specific state. The Application, Policy, and Riders however, are all integral parts of an insurance contract.

Which of the following is not one of the four general functions of management?

Final answer:

The four basic functions of management are Planning, Organizing, Leading, and Controlling. Among the given options, 'Directing' is not considered a separate function of management, hence is not part of the four basic functions.

What is covered by a CGL policy?

The commercial general liability (CGL) insurance policy is the most common business insurance policy in America. This broad coverage insures businesses against property damage or bodily injury claims that arise out of your actions to others.

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.

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).