90. Which is covered under a Commercial General Liability policy?
Answer: A
Damage to premises rented to you is covered under a Commercial General Liability policy.
A Commercial General Liability policy includes coverage for damage to premises rented to you, which protects the policyholder against liability for property damage that occurs on rented property.
A) Damage to premises rented to you
This option is correct as it explicitly falls under the coverage provided by a Commercial General Liability policy. This type of insurance is designed to protect businesses from various claims, including property damage occurring on premises they rent.
B) Pollution liability
Pollution liability is not typically covered under a standard Commercial General Liability policy. This type of coverage usually requires a separate policy or endorsement, as environmental claims can be complex and potentially costly.
C) Commercial auto liability
Commercial auto liability is also not covered under a Commercial General Liability policy. This insurance is specific to vehicles used for business purposes and requires a separate commercial auto insurance policy to provide adequate protection.
D) Workers Compensation
Workers Compensation is a separate insurance requirement that covers employee injuries or illnesses arising from work-related activities. It is not included in a Commercial General Liability policy, which focuses on third-party claims rather than employee-related incidents.
Conclusion
The correct answer, "Damage to premises rented to you," is specifically included in the coverage of a Commercial General Liability policy, providing essential protection for businesses. In contrast, the other options, including pollution liability, commercial auto liability, and workers compensation, require separate insurance solutions and are not part of the general liability coverage scope. Thus, option A stands out as the only correct choice.