California Property & Casualty Broker-AgentCasualty InsuranceMedium
A small business owner in California operates a pet grooming salon. They are purchasing a Commercial General Liability (CGL) policy and are concerned about claims arising from a customer's pet being injured while in their care. Which CGL coverage part would typically address this specific concern?
- ACoverage C: Medical Payments
- BCoverage D: Damage to Premises Rented to You
- CCoverage A: Bodily Injury and Property Damage Liability
- DCoverage B: Personal and Advertising Injury Liability
Show answer & explanationAnswer & explanation
Correct answer: C. Coverage A: Bodily Injury and Property Damage Liability
Coverage A of the CGL policy covers bodily injury and property damage for which the insured is legally liable. An injury to a customer's pet while in the salon's care would fall under property damage, as pets are generally considered property under CGL policies.
Why the other options are wrong
- A. This covers medical expenses for injuries to others on the premises, regardless of fault, but typically excludes property damage.
- B. This covers damage to property rented by the insured, not property belonging to a customer.
- D. This covers non-physical injuries like libel or slander, not pet injury.
CGL Coverage A
Coverage A of a Commercial General Liability policy provides protection against claims of bodily injury and property damage for which the insured is legally liable.
- Covers bodily injury to others.
- Covers property damage to others' property.
- Subject to exclusions (e.g., expected/intended injury, contractual liability).
Memory trick: A is for Accidents and Assets of others.