Who is an insured under a CGL policy?

• A. The named insured only.
• B. The insured's employees and volunteers only.
• C. Any person accidentally injured.
• D. The named insured and, as applicable, other insureds and the insured's employees/volunteers per policy terms.

Answer: (D)

In a CGL policy, the insured isn’t limited to just the named insured. The policy typically defines an insured as the named insured plus other insureds when the contract or endorsements provide that status, and it also covers the insured’s employees and volunteers who are acting within the scope of the insured’s business. This means coverage can apply to people or entities tied to the named insured by contract or endorsement, not only to the named entity itself. The option that reflects this broad definition is correct because it accounts for both the named insured and those who qualify under the policy terms. The other options are too narrow, either focusing only on the named insured, only on employees/volunteers, or on who gets injured rather than who is insured.