Question
Which one of the following is an example of injury or damage arising from an occurrence that would be covered by the products and completed
- Which one of the following is an example of injury or damage arising from an occurrence that would be covered by the products and completed operations liability portion of the Commercial General Liability (CGL) Coverage Form?
A customer is injured when she slips on a wet floor in a store. | |
A customer's house is set on fire while the insured is doing plumbing work. | |
A defective gas range manufactured by the insured explodes causing injury. | |
A dissatisfied customer sues an insured for slander. |
- Zack, a store owner, has a Commercial General Liability (CGL) Coverage Form. A customer has sued John alleging he was injured when John restrained him and a scuffle ensued. John claims he used reasonable force to restrain the customer from damaging a display of merchandise in the store. Which one of the following is true regarding coverage for this lawsuit under John's CGL policy?
Coverage and defense applies as John was using reasonable force to protect his property. | |
The insurer has no duty to defend the lawsuit as the allegations are groundless. | |
Coverage and defense does not apply because John intended to injure the customer. | |
Defense and coverage would apply even if John used excessive force with the customer. |
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