Seguros y GravámenesPregunta 1571 de 1632
A general contractor's CGL policy typically will NOT respond to which claim?
a.The contractor's crane damaging the neighboring building
b.A visitor tripping on debris and breaking an arm
c.A pedestrian struck by material falling from the frame
d.The contractor's own employee injured while framing
Explicación
A commercial general liability policy excludes bodily injury to an employee arising out of employment, because that injury belongs to workers' compensation, with Coverage B employers' liability picking up the suits the no-fault system does not resolve. (a), (b) and (c) are exactly what the CGL is bought for: third-party bodily injury and property damage arising out of the contractor's operations. The line is who was hurt, not how badly or where — an employee framing the same wall as the injured visitor produces a workers' compensation claim, not a CGL claim.
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Revisado por Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verificar)