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How Does a CGL Policy Work?

Commercial liability policies provide coverage for the named insured and may extend to certain others, such as employees of the named insured. The policy coverage may also include additional insured(s), as specified in the policy through endorsement(s). The purpose of a commercial liability policy is to provide coverage for the possibility of the named insured becoming legally responsible for injury or harm to a third party. The most frequent types of injury or harm include bodily injury and property damage.