Insurance & LiensQuestion 1571 of 1605
A general contractor's CGL policy typically will NOT respond to which claim?
a.The GC's crane damaging an adjacent building
b.A visitor tripping over the GC's debris and breaking an arm
c.A pedestrian struck by falling material
d.The GC's own employee injured while framing (that is workers' compensation)
Explanation
Injuries to the contractor's own employees are covered by workers' compensation, not CGL. The CGL responds to third-party bodily injury and property damage — visitors, neighbors, pedestrians — arising from the contractor's operations.
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Reviewed by Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verify)