Question 100

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

CGL policies typically exclude coverage for injuries to employees that occur in the course of employment, making this a significant limitation for businesses.

A) Premises liability

Premises liability refers to the legal responsibility of a property owner or occupier for accidents and injuries that occur on their property. This type of liability is generally covered under CGL policies, making this option incorrect as a common exclusion.

B) Injury to customers

Injuries sustained by customers are usually covered under CGL policies, as they fall within the scope of third-party liability. Thus, this option is not a common exclusion and is therefore incorrect.

C) Injury to employees

Injury to employees is commonly excluded from CGL policies because such injuries are typically covered under workers' compensation insurance. This exclusion is critical, as it prevents overlapping coverage and ensures that workplace injuries are handled through the appropriate insurance channels.

D) Completed operations liability

Completed operations liability covers claims arising from work that has been completed. This coverage is generally included in CGL policies, making this option incorrect as a common exclusion.

Conclusion

In summary, injury to employees is definitively a common exclusion under most commercial general liability policies, as these scenarios are typically addressed by workers' compensation insurance. The other options either represent covered liabilities or are not exclusions, highlighting the specific nature of this exclusion in commercial insurance practices.