What does Coverage A specifically address in a CGL policy?

In a Commercial General Liability (CGL) policy, Coverage A specifically addresses bodily injury and property damage liability. This coverage is fundamental because it protects the insured against claims for damages resulting from an occurrence that causes bodily injury or property damage to third parties.

Bodily injury refers to physical harm, sickness, or disease inflicted on a person due to the insured's operations or activities, while property damage involves damage to tangible property, including loss of use of that property. Coverage A is essential for businesses because it safeguards against significant financial loss from lawsuits or claims that could arise from accidents, ensuring the business can cover legal fees and any settlements or judgments awarded.

While personal and advertising injuries, medical payments, and other forms of liabilities are significant aspects of a CGL policy, they fall under different coverage sections rather than Coverage A. Personal and advertising injuries are usually included in Coverage B, and medical payments are covered under a separate provision, thus highlighting the specific focus of Coverage A on bodily injury and property damage liability.