Sammy owns a surf & skate shop insured under a Commercial Package Policy, which provides commercial property coverage (including BPP and Business Income coverage) and commercial general liability (CGL) coverage. The policy is written on causes-of-loss broad form. The CGL policy is written on an occurrence basis. Sammy gets sued after a customer sustains injuries at a skate park when the wheels unexpectedly fall off of a skateboard Sammy's shop built. Based on the info above, is the loss covered? Yes, because the CGL policy covers product liability claims. Yes, because the policy includes third-party personal property liability coverage. No, because the injury occurred off premises and the policy only covers injuries that occur at Sammy's shop. No, because the CGL policy does not cover product liability claims