Coverage A of the CGL provides coverage for which of the following?

• A. Injury or death suffered by a third party or damage to the property of others
• B. Medical payments to the insured
• C. Employee injuries
• D. Property of the insured

Answer: (A)

Coverage A is Bodily Injury and Property Damage Liabi­lity. It protects the insured when a third party is injured or when someone else’s property is damaged because of the insured’s business operations, products, or completed operations. That means injuries or death to a third party and damage to the property of others are covered scenarios. It does not cover medical expenses for the insured, nor does it cover injuries to the insured’s employees (those are typically handled by workers’ compensation), and it does not cover the insured’s own property. So the option describing harm to a third party or to someone else’s property fits Coverage A best.