What type of liability is NOT typically covered by a CGL policy?

A Commercial General Liability (CGL) policy is designed to provide coverage for various types of general liability exposures businesses face, particularly regarding bodily injury and property damage. However, it explicitly excludes coverage for intentional acts that lead to injury or damage.

Intentional acts are not covered under a CGL policy because liability insurance is meant to protect against unintended accidents or negligence. This means that if a business or its employees deliberately cause harm or damage, the costs associated with those actions would not be covered by the CGL policy. This distinction is crucial because it helps maintain the principle that liability insurance is meant to cover unintentional and accidental incidents rather than those that are deliberate or malicious.

In contrast, some of the other options, such as injuries to customers visiting a business, property damage caused by business operations, or accidental injuries resulting from product usage, typically fall within the coverage scope of a CGL policy, thus demonstrating its primary purpose in protecting a business from general liability claims arising out of routine operations.