What type of incident would typically fall under a Commercial General Liability (CGL) policy?

A Commercial General Liability (CGL) policy is designed to protect businesses against claims of bodily injury, property damage, and personal and advertising injury that can occur in the course of business operations. The reason that product malfunctions causing injury would typically fall under a CGL policy is that this type of insurance specifically covers the risk associated with the products a business manufactures or sells. If a product that a company offers malfunctions and leads to injury or damages to a consumer or other third parties, this could result in a claim that the CGL policy would address.

In contrast, employee injuries during work generally fall under workers' compensation insurance, which specifically covers injuries that employees might sustain on the job. Vehicle accidents involving company cars would usually be covered by a commercial auto policy, which is tailored to protect businesses from liabilities arising from the use of vehicles. Lastly, cyber breaches of sensitive data are typically covered by specialized cyber liability insurance, as standard CGL policies do not encompass technology-related incidents.