Which trio of exclusions is commonly found in CGL policies?

• A. Note: only excludes for mobile equipment, workers' compensation, and recall.
• B. Employee injuries under workers' comp.
• C. Property damage from the insured's building.
• D. Expected or intended injury; professional services; pollution.

Answer: (D)

In CGL policies, coverage is intended for unintentional bodily injury or property damage arising from general business operations. The three exclusions you’re seeing reflect areas that the policy does not cover, or that require a different type of protection. First, any injury or damage that is expected or intended by the insured is excluded, so the policy doesn’t become a shield for intentional harm. Second, liability arising from professional services—advice, designs, or specialized activities—often belongs to a separate professional liability (E&O) policy because it carries a different risk profile than general business operations. Third, pollution-related damages and cleanup costs are excluded due to the substantial and specialized environmental risk, with the pollution exclusion usually preventing coverage for releases except in limited, specific situations. The other options don’t reflect this common trio of exclusions that widely appear in CGL forms.