Los Angeles Claims Adjuster Property and Causality Practice Exam

What is included under the premises hazards of CGL?

1. Claims involving product liability

2. Claims representing completed operations

3. Claims related to falling down incidents

4. Claims associated with contract disputes

The correct answer is: Claims related to falling down incidents

The premises hazards of a Commercial General Liability (CGL) policy specifically refer to risks associated with the physical location or property where the insured operation occurs. This includes incidents that happen on the premises, such as slip and fall accidents, which often result in claims for bodily injury. These incidents are generally linked with the maintenance and safety of the property and can lead to legal liability for the owner or occupier of the premises. The other options mentioned do not fall under premises hazards. Product liability pertains to claims related to injuries or damages caused by products sold by the insured, completed operations focus on work that has been finished (rather than events occurring at the location), and contract disputes relate to disagreements over contractual obligations rather than claims arising directly from physical incidents at the premises. Thus, claims related to falling down incidents are the most fitting example of premises hazards, as they directly concern events occurring on the insured's property.