What does Commercial General Liability (CGL) coverage typically include?

Commercial General Liability (CGL) is the foundation of most business liability insurance programs. Three coverage parts: (1) Coverage A — Bodily Injury and Property Damage Liability — pays for damages the insured is legally liable for from accidents on premises, operations, products, or completed operations; (2) Coverage B — Personal and Advertising Injury Liability — covers offenses like libel, slander, false arrest, copyright infringement in advertising, malicious prosecution; (3) Coverage C — Medical Payments — pays medical expenses for non-employees injured on the insured's premises or by the insured's operations, regardless of fault, with low limits (usually $5,000-$10,000) to avoid litigation. CGL excludes auto, professional services, workers compensation, intentional acts, contractual liability (with major exceptions), liquor liability (for liquor-selling businesses), and damage to the insured's own work or products.