Who is not an insured under a CGL policy?
Asked by: Mr. Tracey Bogan | Last update: December 18, 2025Score: 5/5 (25 votes)
Who is not covered under CGL?
Not everyone involved with a business is automatically covered under a CGL policy. Independent contractors, for instance, are usually not considered insured. They are generally required to have their own insurance coverage.
Which of the following is not covered by the CGL?
CGL policies do not provide coverage for property that you own. A separate property insurance policy is needed to insure buildings, equipment, vehicles, and other assets your business owns. CGL insurance only covers liability for third-party property damage, not damage to property you own or control.
Who is an insured under a CGL policy?
Individual: Named individual and their spouse. Partnership or Joint Venture: Named partnership, named joint venture, partners, members, and their spouse. Limited Liability Company: Named LLC, members, and managers. Organization (Corporation): Named entity, executive officers, directors, and stockholders.
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.
Who is an insured under the policy?
Who is not considered an employee?
A non-employee is an individual who works for an organization but is not formally employed by that organization. Non-employees may work on a temporary, freelance, or contract basis, and they typically do not have the same level of job security or benefits as regular employees.
Who is considered the insured?
The Named Insured is the person (or people) or business (or businesses) actually named in the policy. There can be more than one named insured, and you can usually find these on the first page. In most cases, the business will be the only named insured, but the owners or subsidiaries can also be Named Insureds.
Who is included in the definition of insured under a CGL?
The CGL policy in Section II provides that if the entity designated as an insured is. “[a] partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your. business.” “
Does a CGL policy 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.
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 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.
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.
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 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.
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.
What is not covered under a CGL policy?
Though CGL insurance is meant to provide protection in the event of third-party lawsuits, it does not support criminal acts. Hence, deliberate acts with an intent to cause harm are always excluded in CGL policies.
Are employees covered under CGL?
Additional Information. Employees are automatically insureds under current editions of the CGL coverage form; no endorsement is necessary to effect this coverage.
Does contractor insurance cover negligence?
Also known as errors and omissions insurance, professional liability insurance provides legal fee and damages coverage for claims of negligence or mistakes made by professionals involved in the construction project, such as architects, engineers, and consultants.
Which of the following is not a covered liability under a contractor's comprehensive general liability CGL insurance policy?
Intentional acts: CGL policies do not cover liabilities arising from intentional, malicious, or criminal acts committed by the insured business or its employees. Employee injuries: Injuries to employees are excluded from CGL policies because they are typically covered under workers' compensation insurance.
Who is considered an insured person?
An 'insured person' includes appointed director, officer, principal, partner, member or employee of the named insured. Additionally, temporary or leased personnel are an insured person while acting on behalf of the named insured. A question that always comes up with regards to an insured person is former employees.
What is considered under insured?
Being "underinsured" means a person has insurance coverage, but the limits may not be high enough to cover the full expenses of a claim.
Who are insured persons?
a person whose interests are protected by an insurance policy; a person who contracts for an insurance policy that indemnifies him against loss of property or life or health etc.
What is the fellow employee exclusion in CGL?
The purpose of the fellow employee exclusion in the CGL policy is to distinguish between what may be covered under workers comp and what could be covered under the CGL.
Which of the following is not a consideration in a policy?
Final answer: The consideration not included in an insurance policy is the premium amount paid at the time of application. The premium is determined after the application process during underwriting and may not reflect the initial payment made at application.