Does a CGL policy cover the insured's own injuries?

A Commercial General Liability (CGL) policy is designed primarily to provide coverage for third-party claims, which means it protects against legal liability for bodily injury or property damage that the insured may cause to others. The key function of a CGL policy is to cover claims made by third parties — typically customers, clients, or members of the public — who may experience harm or damage due to the insured's activities or operations.

In this context, the policy does not cover the insured's own injuries. Instead, injuries sustained by the insured (owners, officers, or employees of the business) are typically covered under a separate type of insurance, such as worker's compensation for employee injuries. The CGL policy specifically focuses on the liabilities that arise from actions that affect others rather than the insured.

This distinction is essential for understanding the limitations of a CGL policy, as it underscores that it is not intended to protect the insured from their own injuries or accidents. Hence, stating that the CGL policy does not cover the insured's own injuries is accurate and reflects the purpose and scope of coverage provided by such a policy.