The other answer choices are examples of bodily injury.
Causes of Loss forms are not used with the CGL coverage part.
Coverage A excludes property damage to property owned by the insured and property damage to property in the care, custody, or control of the insured. Because Coverage A provides third-party liability coverage, injury to an insured is not covered.
Both of these items are specifically listed in the policy's definition of mobile equipment. An auto is a land motor vehicle, trailer, or semitrailer designed for travel on public roads, including any attached machinery or equipment.
Businesses face a number of liability exposures, including work-related injuries to employees; pollution; contractual agreements in which the insured assumes liability; and ownership, maintenance, or use of autos, watercraft, and aircraft. However, because of the unique nature of these liability exposures, they are either excluded outright from the CGL policy or may be covered only in certain circumstances or for limited amounts. More complete protection for these liability exposures is available under contracts specifically designed to cover them.
The products-completed operations hazard includes all BI and PD occurring away from the premises owned or rented by the insured, and arising out of the insured's product or work, other than products that are still in the insured's physical possession and work that has not yet been completed or abandoned.
Coverage C excludes injuries to the insured's employees and injuries that occur while participating in athletics.
All of the options listed are excluded under Coverage A of the CGL. Coverage A provides protection for bodily injury and property damage liability claims that the insured becomes legally obligated to pay. However, intentional damage caused by the insured, pollution losses caused by the insured, and liquor liability for those in the business of serving liquor are not covered under this policy. Therefore, the correct answer is "All of the above."
There is a separate Products-Completed Operations Aggregate limit that is not subject to the General Aggregate limit.
When a claims-made policy is terminated, a 60-day basic ERP automatically becomes available. The insured does not have to apply for it, and no premium is charged. It provides automatic coverage for any valid claim made during the 60 days after the policy expires, as long as the incident occurred between the expiring policy's retroactive date and its expiration date.
The retroactive date provides some protection against losses that occurred before the claims-made form was written.
