Which of the following is NOT a common exclusion found in the CGL policy?

Which of the following is NOT a common exclusion found in the CGL policy?

• A. Intentional acts of the insured
• B. Damage to property owned by the insured
• C. Medical expenses for work-related injuries
• D. Liability for bodily injury from products

Answer: (D)

The option indicating liability for bodily injury from products is not a common exclusion found in a Commercial General Liability (CGL) policy. In fact, one of the key purposes of the CGL is to provide coverage for bodily injury and property damage arising out of the insured's products or work. This means that if someone is injured as a result of a product the insured manufactured or sold, the CGL policy would typically cover the liability for those injuries, provided they meet the policy conditions. The other scenarios presented are common exclusions. For instance, intentional acts are generally not covered because insurance typically does not protect against deliberate wrongdoing. Similarly, damage to property that the insured owns is excluded because an insurance policy is designed to cover liabilities to third parties rather than losses to one's own property. Medical expenses for work-related injuries fall under workers' compensation insurance rather than a CGL policy, which is why they are also excluded.

The option indicating liability for bodily injury from products is not a common exclusion found in a Commercial General Liability (CGL) policy. In fact, one of the key purposes of the CGL is to provide coverage for bodily injury and property damage arising out of the insured's products or work. This means that if someone is injured as a result of a product the insured manufactured or sold, the CGL policy would typically cover the liability for those injuries, provided they meet the policy conditions.

The other scenarios presented are common exclusions. For instance, intentional acts are generally not covered because insurance typically does not protect against deliberate wrongdoing. Similarly, damage to property that the insured owns is excluded because an insurance policy is designed to cover liabilities to third parties rather than losses to one's own property. Medical expenses for work-related injuries fall under workers' compensation insurance rather than a CGL policy, which is why they are also excluded.