Which policy provides liability coverage for losses arising from a business's premises, its operations, products, or completed work?

Which policy provides liability coverage for losses arising from a business's premises, its operations, products, or completed work?

• A. Property insurance
• B. Umbrella insurance
• C. Marine insurance
• D. Commercial general liability insurance

Answer: (D)

Liability coverage for a business’s premises, its operations, products, or completed work is provided by commercial general liability insurance. This policy protects against claims for bodily injury or property damage that happen on the business’s premises or arise from its ongoing operations, as well as claims arising from its products and from completed work. It can also cover advertising injury. It does not cover the business’s own property (that’s property insurance), nor is it an umbrella policy (which sits above other coverages for extra limits), and it isn’t marine insurance. So the description in the question directly matches commercial general liability insurance.

Liability coverage for a business’s premises, its operations, products, or completed work is provided by commercial general liability insurance. This policy protects against claims for bodily injury or property damage that happen on the business’s premises or arise from its ongoing operations, as well as claims arising from its products and from completed work. It can also cover advertising injury. It does not cover the business’s own property (that’s property insurance), nor is it an umbrella policy (which sits above other coverages for extra limits), and it isn’t marine insurance. So the description in the question directly matches commercial general liability insurance.