What type of coverage does a CGL typically provide for liability claims?

A Commercial General Liability (CGL) policy is designed to provide broad protection against various types of liability claims that a business might face. The coverage specifically encompasses both bodily injury and property damage.

Bodily injury coverage protects against claims arising from physical harm to someone else's body, whether that be due to accidents on your premises, injuries caused by your products, or services rendered. Property damage coverage applies to damage that your business may cause to someone else’s property, whether it’s due to an accident or negligence.

This dual focus is crucial for businesses, as it helps alleviate the financial burdens associated with legal claims resulting from accidents or other occurrences related to their operations. Therefore, the correct answer reflects the comprehensive nature of a CGL policy in addressing multiple liability facets that businesses face.

The other options highlight specific types of coverage that do not encompass the full breadth of a CGL policy, which is why they do not represent the comprehensive protection offered by this insurance type.