Los Angeles Claims Adjuster Property and Causality Practice Exam

Which of the following is NOT an exclusion in CGL Coverage A?

1. Results from the insured's intoxication

2. Damage caused during transportation

3. Employee injuries related to work

4. Intentional injuries caused by the insured

The correct answer is: Damage caused during transportation

In the context of Commercial General Liability (CGL) insurance, Coverage A primarily addresses bodily injury and property damage that the insured is legally obligated to pay due to their operations. It is essential to understand what constitutes exclusions under this coverage to assess the extent of protection provided. Transportation-related damage typically falls under coverage within certain conditions, as CGL policies often include coverage for operations during transportation or incidental transportation of goods. As long as the damage does not fall under other specific exclusions in the policy, incidents while transporting property are generally covered rather than excluded. This leads to the understanding that damage caused during transportation is not universally excluded in CGL Coverage A. On the other hand, the other options indicate scenarios that are generally recognized as exclusions. For instance, damages resulting from the insured’s intoxication or intentional actions causing harm are typically not covered by CGL policies, as they arise from actions that the policy intends to avoid. Additionally, injuries to employees related to their work are normally excluded from CGL because such injuries would fall under workers' compensation coverage, which is designed to address employee-related claims specifically. Therefore, recognizing that damage occurring during transportation does not inherently meet the criteria for exclusion in CGL Coverage A clarifies why that option is not considered an