Question 100

Injury to employees is a common exclusion under most commercial general liability (CGL) policies.

CGL policies typically exclude coverage for injuries sustained by employees while they are on the job, placing this responsibility under workers' compensation insurance instead.

A) Premises liability

Premises liability refers to the responsibility of a property owner to ensure a safe environment for visitors. This type of coverage is generally included in standard CGL policies, rather than being excluded, making this option incorrect.

B) Injury to customers

Injury to customers is typically covered under CGL policies, as these policies are designed to protect businesses against claims from third parties for bodily injury or property damage. Therefore, this option is also incorrect.

C) Injury to employees

Injury to employees is commonly excluded from CGL policies, as such injuries are usually addressed through workers' compensation insurance. This exclusion is a key aspect of CGL policies, making this option the correct answer.

D) Completed operations liability

Completed operations liability is a coverage area that protects against claims arising from work that has been completed. It is generally included in CGL policies as part of their broader coverage, thus this option is incorrect.

Conclusion

In summary, injury to employees is a key exclusion in most CGL policies, as these injuries are typically covered by separate workers' compensation insurance. The other options, including premises liability, injury to customers, and completed operations liability, are generally included in CGL coverage, confirming that they are not correct.