What does Coverage A of Commercial General Liability specifically cover?

Coverage A of Commercial General Liability (CGL) provides protection against claims for bodily injury and property damage that occur on the insured’s premises or as a result of the insured’s business operations. This means that if a third party suffers physical injury or their property is damaged due to negligence in the conduct of the insured’s operations, Coverage A is designed to cover the legal costs and any settlements or judgments that may arise from those claims.

This coverage is a fundamental component of a CGL policy, as it addresses the common risks businesses face from their daily operations, thereby ensuring that businesses can operate without the constant fear of liability claims leading to financial ruin. Understanding this coverage is essential for businesses to adequately protect themselves and manage their risk exposure effectively.