Which of the following applies under CGL coverage part as related to liability coverage?

The correct choice relates to exclusions for intentional acts under the Commercial General Liability (CGL) coverage part. CGL policies are designed primarily to cover liabilities arising from the operations of a business, which includes bodily injury, property damage, and personal injury caused by negligence or unintentional acts.

Exclusions for intentional acts are critical within a CGL policy because any damages or injuries resulting from intentional, willful, or malicious acts are typically not covered. This protects insurance companies from claims that arise from intentional wrongdoing, ensuring that the coverage focuses on unintentional injuries or damages that a business may cause to third parties. Therefore, recognizing the limitations set by these exclusions is essential for understanding the scope of liabilities that CGL coverage addresses.

Options such as coverage for employee injuries, coverage for damages to owned property, and coverage for contractual liabilities do not fit within the standard CGL coverage. Employee injuries fall under workers’ compensation laws rather than the liability framework of a CGL; damages to owned property are typically excluded; and contractual liabilities are also not covered unless specifically included in the terms of the policy.