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 (CGL) policy provides coverage for damages to premises that are rented to the insured. This is an important aspect of liability insurance, as it protects businesses from financial loss due to damages that occur in rented spaces.
A) Damage to premises rented to you
This option is correct because a Commercial General Liability policy explicitly includes coverage for damage to premises rented to the insured. This ensures that businesses are protected from liability claims arising from incidents occurring on property they do not own but occupy.
B) Pollution liability
Pollution liability is generally not covered under a standard Commercial General Liability policy. Instead, this type of coverage requires a separate policy or endorsement specifically designed to address pollution-related risks and claims.
C) Commercial auto liability
Commercial auto liability is not covered under a Commercial General Liability policy. This type of liability pertains specifically to vehicles used for business purposes and requires a separate commercial auto insurance policy to provide appropriate coverage.
D) Workers Compensation
Workers Compensation is not included in a Commercial General Liability policy. This insurance is specifically designed to cover employee injuries and illnesses that occur in the workplace, and it requires its own dedicated policy.
Conclusion
The correct answer, "Damage to premises rented to you," is definitively right as it reflects a key coverage aspect of Commercial General Liability policies. In contrast, all other options either fall outside the scope of CGL coverage or require separate policies, highlighting the importance of understanding specific insurance types to ensure adequate protection for businesses.