A visitor who is not a contractor employee trips over stored material at a jobsite and alleges bodily injury. Which policy category is most directly relevant to investigating this third-party claim?
Correct Answer
A) General liability.
A nonemployee visitor’s alleged bodily injury is a CGL-type liability exposure. Coverage remains subject to policy terms. Insurance review does not remove the trip hazard or replace incident response. Source: https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/upload/IG-Commercial-Insurance-Updated-061524.pdf
Why This Is the Correct Answer
A nonemployee visitor’s alleged bodily injury is a CGL-type liability exposure. Coverage remains subject to policy terms. Insurance review does not remove the trip hazard or replace incident response. Source: https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/upload/IG-Commercial-Insurance-Updated-061524.pdf
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