Which exposures should be identified when preparing to ensure adequate CGL coverage?

• A. Premium, fees, and commissions.
• B. D&O exposures.
• C. Premises, operations, products, completed operations, and advertising exposures.
• D. Employees' benefits exposures.

Answer: (C)

When preparing to ensure adequate CGL coverage, identify the standard exposure areas that a Commercial General Liability policy is designed to cover: premises, operations, products, completed operations, and advertising exposures. These categories capture where third‑party bodily injury or property damage can arise from the insured’s presence, activities, or products. Premises and operations exposure covers injuries that occur on the insured’s site or as a result of the insured’s activities; products and completed operations cover injuries or damages caused by the insured’s products or by completed work after delivery; advertising exposure addresses injuries arising from advertising activities, such as libel or misrepresentation. The other options focus on costs or coverages outside CGL scope—financial elements like premiums or fees, Directors & Officers liability, or employee benefits—so they don’t describe the typical CGL exposure areas.