Which of the following can be covered by augmenting CGL insurance?

Which of the following can be covered by augmenting CGL insurance?

• A. Employee injuries during construction
• B. Completed operations or product failures
• C. Property damage from construction tools
• D. Liability arising from environmental clean-up

Answer: (B)

Augmenting Commercial General Liability (CGL) insurance is specifically designed to cover various risks associated with business operations, particularly in construction. One significant aspect that CGL insurance covers is related to completed operations or product failures, which includes liability for damages or injuries that occur after a construction project has been completed and the construction company has moved on. This type of coverage protects the contractor against claims arising from work that they have previously completed and provides essential financial support in the event that a project leads to unforeseen issues down the line. In contrast, employee injuries during construction are typically covered by workers' compensation insurance, not CGL insurance. Property damage from construction tools may fall under various specific policies but does not directly relate to the augmentations typically offered under CGL. Lastly, liability arising from environmental clean-up would generally require specialized insurance policies that address environmental risks, making it outside the standard scope of CGL coverage. Thus, augmenting CGL insurance primarily addresses risks tied to completed operations or product failures, making this the correct answer.

Augmenting Commercial General Liability (CGL) insurance is specifically designed to cover various risks associated with business operations, particularly in construction. One significant aspect that CGL insurance covers is related to completed operations or product failures, which includes liability for damages or injuries that occur after a construction project has been completed and the construction company has moved on. This type of coverage protects the contractor against claims arising from work that they have previously completed and provides essential financial support in the event that a project leads to unforeseen issues down the line.

In contrast, employee injuries during construction are typically covered by workers' compensation insurance, not CGL insurance. Property damage from construction tools may fall under various specific policies but does not directly relate to the augmentations typically offered under CGL. Lastly, liability arising from environmental clean-up would generally require specialized insurance policies that address environmental risks, making it outside the standard scope of CGL coverage. Thus, augmenting CGL insurance primarily addresses risks tied to completed operations or product failures, making this the correct answer.