DC General Liability Insurance

Question 1

What does a Commercial General Liability (CGL) policy primarily cover?

Accepted Answer

Bodily injury and property damage liability to third parties

Answer

Property damage to the insured's own building and contents

Answer

Employee injuries sustained while working on the job

Answer

Vehicle accidents involving company-owned automobiles

Question 2

Under an occurrence-based CGL policy, coverage is triggered when:

Accepted Answer

The bodily injury or property damage actually occurs during the policy period

Answer

The claim is filed against the insured during the policy period

Answer

The lawsuit is filed in court during the policy period

Answer

The final judgment is rendered during the policy period

Question 3

Products-completed operations coverage under a CGL policy applies to:

Accepted Answer

Products or completed work after they have left the insured's control

Answer

Products stored in a warehouse before they are sold

Answer

Raw materials purchased during the manufacturing process

Answer

Work still being actively performed on the job site

Question 4

The 'per occurrence' limit in a CGL policy is best described as:

Accepted Answer

The maximum the insurer will pay for any single occurrence regardless of the number of claimants

Answer

The total limit available for all claims during the entire policy period

Answer

The maximum amount paid per individual injured person

Answer

The maximum amount paid per covered business location

Question 5

Personal and advertising injury coverage under a CGL policy protects against:

Accepted Answer

Offenses such as libel, slander, copyright infringement, and false advertising

Answer

Physical injuries sustained during advertising events or trade shows

Answer

Property damage caused by outdoor advertising structures

Answer

Bodily injury caused by defective promotional merchandise

Question 6

Which of the following is typically EXCLUDED from a standard CGL policy?

Accepted Answer

Bodily injury to employees that is covered under workers' compensation

Answer

Slip-and-fall accidents occurring on the insured's business premises

Answer

Customer injuries resulting from defective products after delivery

Answer

Property damage caused to third parties by business operations

Question 7

In a CGL policy, 'occurrence' is defined as:

Accepted Answer

An accident, including continuous or repeated exposure to substantially the same harmful conditions, resulting in bodily injury or property damage

Answer

Any single accident that takes place in one instant in time

Answer

Any lawsuit or claim filed against the insured

Answer

Any event the insured reports to the insurer during the policy period