What type of liability does CGL Coverage A protect against?

Commercial General Liability (CGL) Coverage A specifically protects against liability arising from bodily injury and property damage that occurs on the insured premises or as a result of the insured’s operations. This coverage is designed to address claims for physical injuries sustained by individuals or damages caused to another party's property due to the negligence of the insured.

Bodily injury refers to physical pain, illness, or impairment sustained by a person, while property damage pertains to the physical damage or destruction of tangible assets. This type of coverage is crucial for businesses, as it provides financial protection against legal actions brought by third parties who claim to have suffered injuries or damages due to the insured’s activities.

The other types of liabilities mentioned, such as personal injury, contractual obligations, and professional errors, fall outside the scope of Coverage A. Personal injury usually refers to non-physical injuries like defamation or invasion of privacy, contractual obligations concern breaches of contracts, and professional errors are typically covered under professional liability insurance, not general liability policies.