Commercial general liability insurance (CGL) provides coverage for which claims?

• A. Only property damage claims.
• B. Only liability arising from employee injuries on the job site.
• C. Personal injury claims only.
• D. Property damage, bodily injury, personal injury, or advertising injury claims.

Answer: (D)

CGL is meant to protect a business against a broad range of third‑party liability claims arising from its operations, products, and advertising. It covers multiple types of losses a business could be legally liable for, not just a single kind. Property damage refers to harm to someone else’s property caused by the insured’s activities. Bodily injury covers physical harm to a person. Personal injury protects against non‑physical harms like defamation, false arrest, or improper invasion of privacy. Advertising injury covers issues tied to the business’s advertising, such as copyright or trademark infringement or misrepresentation in ads. A common UI distinction is that injuries to employees on the job are generally covered by workers’ compensation rather than CGL, which is focused on liability to third parties. So CGL’s scope includes property damage, bodily injury, personal injury, or advertising injury, making it broader than any single category.