Which scenario is covered under the CGL liquor liability form?

The coverage provided under the Commercial General Liability (CGL) liquor liability form specifically addresses situations that arise from the sale or distribution of alcoholic beverages. Over-service to minors is a key scenario that falls under this coverage because it involves a legal liability that can be attributed to the negligence of the establishment or individuals serving alcohol. If a minor is over-served and subsequently causes harm to themselves or others, the establishment can be held liable for that action, making it a classic example of how liquor liability coverage would respond.

In contrast, the other scenarios, although potentially serious, do not directly relate to the specific liabilities associated with the provision of alcohol. Injury from drunken driving pertains to personal injury claims that typically fall outside the scope of a CGL liquor liability policy, focusing instead on the driver’s responsibility. Property damage at a bar may not be specifically tied to liquor liability, as it can occur due to a variety of non-liquor-related reasons. Workplace injuries from liquor use can involve workers' compensation, which is a different type of coverage unrelated to the liquor liability form. Therefore, over-service to minors stands out as the correct scenario covered under the CGL liquor liability form.