What could trigger a liability claim under a commercial general liability policy?

A commercial general liability (CGL) policy is designed to protect businesses against various claims related to bodily injury and property damage that occur as a result of business operations. The primary purpose of this type of insurance is to cover instances where third parties—such as customers, vendors, or the general public—suffer injury or damage due to activities performed by the business. This includes accidents that occur on-site or as a direct result of products or services provided by the business.

In the context of the provided answer, if business operations lead to bodily injury or property damage, a liability claim could indeed be triggered. This could include situations such as a customer slipping and falling in a store or damage caused by a faulty product manufactured by the business. These scenarios fall squarely within the coverage scope of a CGL policy, making it essential for businesses to have this protection in place to mitigate risks associated with their operations.

The other options involve situations that are generally covered by different types of insurance or may not be applicable under a CGL policy. For instance, loss of client property due to theft typically falls under property insurance rather than liability coverage, as it involves the loss of the client’s possessions rather than a claim related to bodily injury or damage stemming from the business