Question 45

A Commercial General Liability policy does not cover Employee Injuries.

A Commercial General Liability (CGL) policy is designed to provide coverage for various liabilities that a business may face, but it specifically excludes coverage for employee injuries, which are typically covered under workers' compensation insurance.

A) Bodily Injury

Bodily injury is covered under a Commercial General Liability policy. This includes injuries to third parties caused by the business's operations, products, or premises. Therefore, this option is incorrect as it does not align with the question asking for an exception.

B) Property Damages

Property damages are also covered by a Commercial General Liability policy. This coverage applies to damages inflicted on third-party property due to the business's activities. As such, this option is incorrect since it is included in the scope of a CGL policy.

C) Employee Injuries

Employee injuries are specifically excluded from coverage under a Commercial General Liability policy. Instead, these injuries are generally addressed by workers' compensation insurance, which is designed to provide benefits to employees who suffer work-related injuries. This option is correct as it highlights the exclusion within the CGL policy.

D) Advertising Injury

Advertising injury is covered by a Commercial General Liability policy. It pertains to damages arising from offenses such as copyright infringement or defamation in a business's advertising. Therefore, this option is incorrect as it falls within the coverage provided by a CGL policy.

Conclusion

The correct answer is C, as employee injuries are not covered by a Commercial General Liability policy and instead fall under workers' compensation. All other options (A, B, and D) represent types of liabilities that the CGL policy is designed to cover, making them incorrect in the context of the question.