How is Tina best described in David's Commercial General Liability policy?

In the context of a Commercial General Liability (CGL) policy, Tina is best described as an employee because the CGL policy typically covers obligations and liabilities arising from the acts of employees during the course of their employment. This includes coverage for bodily injury and property damage that may occur as a result of their work-related duties.

The distinction of being classified as an employee is significant, as it often influences the type and extent of coverage provided under the policy. Employees are covered when performing tasks related to their job, thus creating a direct relationship between the employer and the employee under the terms of the policy.

In contrast, independent contractors and temporary staff usually operate under different agreements and may not be covered by the employer's liability insurance in the same manner. Independent contractors often maintain their own insurance policies, making the liability different from that of an employee. A contract worker, while performing a specific task, does not fall under the direct employment of the company, which further differentiates their coverage scenario under a CGL policy.