Which of the following is typically NOT covered by CGL?

• A. Bodily Injury
• B. Property Damage
• C. Personal Injury
• D. Professional Liability

Answer: (D)

Commercial General Liability is designed to respond to third‑party claims arising from a business’s operations, typically covering bodily injury and property damage caused by the insured, and it also covers personal injury such as libel, slander, or wrongful eviction. However, professional liability—claims arising from the insured’s professional advice or services (errors and omissions, malpractice, design or consulting mistakes)—is not included in a standard CGL. That kind of exposure usually requires a separate professional liability policy. So the item that is not typically covered by CGL is professional liability. The others—bodily injury, property damage, and personal injury—are standard CGL coverages.