Los Angeles Claims Adjuster Property and Casualty Practice Exam 2025 - Free Claims Adjuster Exam Questions and Study Guide

The requirement for an insured to promptly inform the insurer about claims, offenses, or suits under a CGL (Commercial General Liability) policy is crucial for maintaining the terms of the insurance agreement and ensuring proper coverage. A CGL policy is designed to protect businesses from financial loss due to third-party claims of bodily injury, property damage, and personal and advertising injury.

When an insured experiences a claim or is involved in a lawsuit, timely notification is essential. This allows the insurer to take the necessary steps to investigate the claim, adjust the coverage as needed, and provide legal defense if applicable. Failure to promptly inform the insurer may jeopardize coverage for the incident, as insurers rely on timely notification to manage risk effectively.

Although the other options mention different kinds of occurrences, they do not align with the specific requirements of a CGL policy regarding timely notice to the insurer. The focus on claims, offenses, or suits highlights the importance of communication in the event of potential liability issues that the CGL intends to cover.