Which of the following is a form of Commercial General Liability?

The correct answer highlights the importance of understanding the different types of liability insurance available to businesses. Commercial General Liability (CGL) is specifically designed to protect businesses against claims of bodily injury, property damage, and personal injury that may arise during the course of operations.

General liability, the option referenced, is indeed a key component of CGL, providing coverage for most legal liabilities faced by a business. However, the distinction is that professional liability insurance is tailored for professionals such as doctors, lawyers, and consultants, covering claims arising from negligence or errors and omissions in the professional services they provide.

This specificity is what differentiates it from general liability, which is broader and covers various forms of liability exposure that are not strictly related to professional services. Meanwhile, homeowners liability and workers' compensation serve different functions; homeowners liability pertains to residential properties and their associated risks, while workers' compensation is designed to cover employee injuries incurred during the course of their employment. Understanding these distinctions helps clarify the role each insurance type plays in risk management for different business environments.