Which of the following is an exclusion to CGL Coverage A?

CGL, or Commercial General Liability insurance, provides coverage for various liabilities, but it also includes specific exclusions. Injuries to employees is a notable exclusion under Coverage A of the CGL policy. This exclusion is in place because employee injuries are typically covered under workers' compensation insurance rather than general liability insurance. The rationale behind this is to prevent double dipping, where an employer could potentially claim benefits for the same injury under multiple insurance policies.

Personal injuries, professional liability, and product defects do not fall within the same exclusion category. Personal injuries refer to non-physical harm such as slander or defamation and can still be covered under a CGL policy. Professional liability generally pertains to errors and omissions in professional services, which is not covered by a standard CGL but by a separate professional liability insurance. Product defects can lead to liability claims and are generally covered under CGL, provided the product is not excluded by other provisions in the policy. Understanding these nuances helps clarify why injuries to employees represent an exclusion under CGL Coverage A.