Los Angeles Claims Adjuster Property and Causality Practice Exam

Under CGL, which of the following is included in the exclusion related to employee bodily injury?

1. Injury to the employee's siblings

2. Injury as a result of negligence on the company's part

3. Injury occurring outside the workplace

4. Injury to third parties caused by the employee

The correct answer is: Injury to the employee's siblings

In the context of Commercial General Liability (CGL) insurance, the exclusion related to employee bodily injury is specifically designed to address injuries sustained by employees in the course of their work. One of the critical aspects of this exclusion is that it does not cover injuries to the employees themselves, which is why the correct answer involves the injury to the employee's siblings. When it comes to employees, the CGL policy excludes coverage for bodily injury that arises out of or is related to their employment with the insured. Thus, if an employee injures their sibling while engaged in work-related activities, the CGL would not cover that injury as it pertains to the exclusion of employee bodily injuries. Under the other options, injuries resulting from company negligence (which refers to the company's legal responsibilities), injuries occurring outside the workplace (which could be incidental and relevant), or injuries to third parties caused by the employee (for which the employee's actions might bring liability to the employer) would not fall under this exclusion because they involve different scenarios relating to liability outside the direct employer-employee relationship. Hence, those situations are typically not included in the employee bodily injury exclusion of a CGL policy.