All organizations that have employees have liability exposures related to injuries to those employees. This type of liability is (included/excluded) from commercial general liability insurance policies.

• A. Included
• B. Excluded
• C. Not insured
• D. Covered

Answer: (B)

The main idea is that injuries to employees fall under workers’ compensation, not general liability. Commercial general liability (CGL) policies are designed to cover third-party bodily injury and property damage, not the employer’s liability to its own employees for work-related injuries. To prevent duplicative coverage and to align with state workers’ compensation systems, there is a standard exclusion in CGL policies for bodily injury to employees (employment-related injuries). Therefore, this type of liability is excluded from CGL policies and is addressed by workers’ compensation and employers liability insurance.