保险与留置权第 1481 / 1632 题
The main purpose of a contractor's Commercial General Liability policy is to cover:
a.The contractor's lost profit on a delayed project
b.Injuries to the contractor's own employees at work
c.Damage to the contractor's own tools and equipment
d.Third-party injury and property damage from the work
解析
Commercial general liability answers for bodily injury and property damage suffered by third parties and arising out of the contractor's operations or completed work, together with the duty to defend those claims. (a) is business income coverage, and a liability policy insures what the contractor owes others rather than what the contractor failed to earn. (b) is workers' compensation, which the CGL expressly excludes. (c) is first-party property coverage — inland marine or a tools floater. Note too the 'your work' exclusion: the CGL does not pay to redo the contractor's own defective workmanship.
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审核人 Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — 核实)