YOU ASK:

What are the commercial general liability policy exclusions?

WE ANSWER:

Every commercial general liability policy consists of three types of coverage:

  • Coverage A provides protection in the event of bodily injury or property damage liability,
  • Coverage B - in the event of personal or advertising injury liability, and
  • Coverage C covers the medical payments of those injured on the premises of the insured or by the insured's business operations, regardless of fault.

Exclusions to the Commercial General Liability Policy

Each of the general types of coverage that a commercial general liability policy offers has its own exclusions and it is just as important to be familiar with them, as with the coverage itself.

  • Coverage A of a commercial general liability policy specifically excludes the following instances of commercial liability:
    • Intentional injury;
    • The majority of cases of pollution liability;
    • Employment-related liability (which is otherwise covered under Workers Compensation insurance);
    • Contractual liability;
    • Commercial auto, watercraft or aircraft liability;
    • Dram shop liability;
    • Personal and advertising liability, etc.
  • The exclusions worth mentioning, which apply to Coverage B of a commercial general liability policy are as follows:
    • Any unlawful acts by the insured;
    • Civil rights violation;
    • Libel or slander;
    • Advertising product liability;
    • Failure of a product or service to conform to the standards or description set by the seller;
    • Infringement of intellectual rights such as copyright, patent, etc.;
    • Publishing, broadcasting, advertising offenses;
    • Unauthorized operations conducted on/over the Internet.
  • Coverage C of a commercial general liability policy specifically excludes the following instances of bodily injury:
    • Injury to the insured, their tenants or employees;
    • War-related injuries;
    • Injuries caused by any athletic occupations;
    • Any bodily injuries that are excluded under the bodily injury and property damage coverage (Coverage A);
    • Injuries which can be otherwise covered by Workers Compensation insurance or similar laws;
    • Injuries caused by liability exposures that are covered under Coverage A, such as product-completed operations.
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