Which exposures are typically covered by a CGL policy?

• A. Bodily injury and property damage
• B. Personal Injury Only
• C. Bodily injury, property damage, and personal and advertising injury
• D. Professional Liability

Answer: (C)

Commercial General Liability coverage protects a business against common third‑party liabilities arising from its operations and products. The exposures it typically covers include bodily injury, property damage, and personal and advertising injury. Bodily injury covers physical harm to someone else and the resulting damages like medical costs. Property damage covers damage to or loss of use of another person’s property caused by the insured or the insured’s activities. Personal and advertising injury covers harms to a person’s reputation or losses arising from advertising, such as libel, slander, false advertising, or misrepresentation in ads.

These three areas together address the main third‑party liability risks a business faces. The option that mentions only personal injury is too narrow, since bodily injury and property damage are also core, and professional liability is not typically included in a standard CGL policy (that would be handled by a separate professional liability/E&O coverage).