Which of the following is a common exclusion found in Coverage A?

• A. Damage to property of the insured.
• B. Pollution.
• C. Bodily injury arising out of the insured's operations.
• D. Personal and advertising injury.

Answer: (B)

Coverage A covers bodily injury and property damage caused by the insured’s operations, but it carries exclusions to avoid paying for certain risks. A pollution exclusion is a common one because damages from pollutants released during the insured’s activities are typically not covered under a standard CGL policy. This means bodily injury or property damage caused by pollution is excluded, and separate environmental liability coverage would be needed if the insured wants that protection.

The other options don’t fit as exclusions in Coverage A: damage to the insured’s own property is generally not covered by CGL but isn’t the standard illustration exam-takers focus on; bodily injury arising out of the insured’s operations is the type of loss Coverage A is designed to cover (subject to exclusions); and personal and advertising injury is addressed under Coverage B, not A.