Which claims are typically covered under a Commercial General Liability (CGL) policy?

A Commercial General Liability (CGL) policy is designed to protect businesses from a variety of liability claims that can arise from their operations. One of the primary coverages offered by a CGL policy includes claims related to products or completed operations. This means that if a business produces a product that causes injury or property damage once it has left their control, the CGL policy can provide coverage. Similarly, if a project is completed and subsequently causes harm to a third party, the policy will also cover those situations.

This aspect of the CGL is crucial for businesses because it helps shield them from claims arising after they have finished their work or after their products have been sold and are in use by consumers. It is specifically designed to address the risks associated with the products and services offered by an insured entity, ensuring they have a safety net in place against potential lawsuits and claims stemming from their operations.

In contrast, a few other claims mentioned, such as personal injury to the insured or damages experienced during transportation, do not fall under the typical coverage of a CGL policy. Personal injury claims involving the insured would usually be addressed under different types of insurance policies, while transportation-related damages might be covered under specific cargo or auto liability insurance, not general liability. Claims