Which of the following is a coverage exclusion for CGL medical payments?

The correct answer is that employee injuries are a coverage exclusion for Commercial General Liability (CGL) medical payments. The CGL policy is designed to cover third-party claims for bodily injury and property damage, but it specifically excludes injuries sustained by employees while performing their job duties. This exclusion exists because employee injuries are generally covered under Workers' Compensation insurance, which provides benefits for work-related injuries, ensuring that employees receive medical care and compensation without the need to prove negligence on the part of the employer.

This approach prevents overlaps between CGL policies and Workers' Compensation coverage, allowing each type of insurance to fulfill its intended purpose. In contrast, the other choices pertain to scenarios that are more appropriate for coverage under specific circumstances or provisions within other types of policies. For instance, injuries due to contractual agreements may fall under liability claims, while accidents during business hours typically do not exclude coverage as long as they involve third parties. General premises liability may also be covered if it involves non-employees injured on the insured premises, distinguishing it from employee-related claims.