20 de febrero de 2025
¿Qué incluye una póliza de responsabilidad básica?
A menudo escribimos sobre muchas de las pólizas que amplían la cobertura ofrecida en una póliza básica de responsabilidad civil general comercial (CGL). Pero ¿cuáles son las características principales de la cobertura CGL?
The CGL provides broad protection for businesses against third-party claims arising from bodily injury, property damage, and certain personal and advertising injuries. Here’s a breakdown of key coverages:
- Coverage A: Bodily Injury and Property Damage Liability
- Bodily Injury: Protects against claims for physical injury, sickness, or disease caused to a third party due to the business’s operations or premises.
- Property Damage: Covers damage or loss of use of tangible property owned by others, caused by the insured’s operations, products, or completed work.
- Key Exclusions: Coverage does not apply to intentional harm, pollution (without an endorsement), or damage to the insured’s own property.
- Coverage B: Personal and Advertising Injury Liability
- Covers claims for offenses such as defamation, libel, slander, false arrest, wrongful eviction, and infringement of copyright in advertisements.
- Key Exclusions: Excludes claims involving breach of contract, knowingly false statements, and advertising for businesses in specific prohibited industries.
- Coverage C: Pagos Médicos
- Pays medical expenses for injuries to non-employees on the insured’s premises or due to the insured’s operations, regardless of fault.
- Key Exclusions: Does not cover injuries to employees or injuries arising from certain high-risk operations.
- Supplementary Payments
- Includes legal defense costs and other related expenses, such as court fees and bail bonds, in defending covered claims.
- Additional Features:
- Occurrence-Based Coverage: Most CGL policies cover claims arising from incidents that occur during the policy period, regardless of when the claim is made.
- Aggregate Limits: Specifies limits for the total amount payable for all claims within the policy period.
- Common Exclusions:
- Professional services (covered under separate Errors & Omissions policies).
- Pollution (unless specifically endorsed).
- Liquor liability for businesses manufacturing, selling, or serving alcohol.
- Damage to the insured’s work or product (often covered under a separate products-completed operations policy).