Which statement best describes how coverages respond to a claim arising from a covered occurrence during the policy period?

• A. Coverage A only.
• B. Coverage A and B only.
• C. Coverage A, B, and C.
• D. None of the coverages.

Answer: (C)

When a claim stems from an event that the policy covers and that event happens during the policy period, multiple parts of a Commercial General Liability policy can respond. A CGL provides three separate coverages: liability for third-party bodily injury and property damage (the insured’s responsibility for harm caused by the event), coverage for personal and advertising injury (such as libel, slander, or misrepresentation), and medical payments (expenses for medical treatment for third parties, regardless of fault, if the injury arises from the insured’s premises or operations). Because each of these coverages covers a different aspect of the same incident, a covered occurrence can trigger all three, not just one. So the statement that best describes the situation is that Coverage A, Coverage B, and Coverage C can respond to a claim arising from a covered occurrence during the policy period.