Who qualifies as an insured under CGL Coverage A?

• A. Only the named insured.
• B. The named insured and others described in the policy, including employees acting within scope of duties and certain organizational entities, plus may extend to additional insureds via endorsements.
• C. Any person or organization that purchases the policy.
• D. The insurer's own employees.

Answer: (B)

In CGL Coverage A, the insured isn’t limited to just the named insured. The policy protects the named insured and others described in the policy, including the insured’s employees while acting within the scope of duties, and certain organizational entities. It can also extend to additional insureds through endorsements. This means coverage applies to multiple parties connected to the insured, not only the individual or entity named in the policy.

So the best choice reflects that broader, contractually described group: the named insured and others described in the policy, including employees acting within duties and certain organizational entities, with possible extension to additional insureds via endorsements.

The other ideas don’t fit: coverage isn’t limited to only the named insured, it doesn’t automatically cover any person who buys the policy, and it doesn’t cover the insurer’s own employees as insured parties under the insurer’s policy.