Name the three main coverages in a CGL policy.

• A. Coverage A (BI/PD), Coverage B (Personal and Advertising Injury), Coverage D (Other than BI/PD).
• B. Coverage A (BI/PD), Coverage B (Personal and Advertising Injury), Coverage C (Medical Payments).
• C. Coverage A and Coverage B only.
• D. Coverage B, Coverage C, and Coverage D.

Answer: (B)

In a standard Commercial General Liability policy, the three primary coverages provide the core protections for typical business liability claims. They are Bodily Injury and Property Damage, Personal and Advertising Injury, and Medical Payments.

• Bodily Injury and Property Damage covers the insured’s liability for physical injuries to people and damage to property caused by the insured’s actions, products, or operations. It kicks in for covered occurrences and includes defense costs as needed.

• Personal and Advertising Injury protects against claims arising from non-physical harm linked to the insured’s business activities, such as libel, slander, false arrest, misrepresentation, or misuses of advertising ideas and privacy violations that occur in the course of marketing the business.

• Medical Payments provides for medical expenses of third parties who are injured on the insured’s premises or as a result of the insured’s operations, regardless of fault, typically within a short period of time and up to a specified limit.

These three together are the standard trio of coverages in a CGL policy. The option that includes a Coverage D is not part of the three primary coverages, and omitting Medical Payments or substituting D for one of the others would not reflect the standard structure.