Who is typically insured under a Commercial General Liability (CGL) policy?

A Commercial General Liability (CGL) policy is designed to provide broad coverage for businesses against a variety of liability claims. The correct answer reflects the comprehensive nature of protection offered under this type of policy. Typically, a CGL policy insures the business itself, along with its officers, employees, and partners. This means that not only the business owner but anyone directly involved with the business's operations is covered for liabilities that may arise from their work-related activities.

The inclusion of officers, employees, and partners ensures that all aspects of the business are protected, as liability can stem from many different sources, including accidents that occur during normal business operations or claims of negligence. This comprehensive coverage is crucial for businesses to effectively manage potential risks associated with their activities and interactions with the public and clients.

In contrast, options that focus solely on specific individuals (like only the business owner or only employees) overlook the broader protections that CGL policies are meant to provide. Additionally, independent contractors may need separate coverage as their relationship with the business can complicate liability claims, and they are not automatically included in a standard CGL policy.