Which section of the Commercial General Liability (CGL) policy deals specifically with body injury/property damage?

Prepare for the South Dakota Property and Casualty Exam with interactive questions and detailed explanations. Study effectively and succeed!

The correct answer is Section I of the Commercial General Liability (CGL) policy because this section specifically addresses the coverage for bodily injury and property damage. Section I provides the scope of the policy's coverage, detailing what constitutes an occurrence and under what circumstances coverage applies for injuries sustained by third parties and damages to their property as a result of the insured's operations or activities.

This section is fundamental in establishing the insurer's responsibility to defend the insured against claims and to pay for damages that fall within the defined coverage limits. It includes essential terms and conditions regarding the nature of the coverage, including definitions specific to bodily injury and property damage, thus clarifying the insurer's obligations both in defending claims and in indemnifying the insured.

The other sections, while important in their respective purposes—like exclusions, conditions, and definitions—do not specifically address bodily injury and property damage in the context that Section I does. This differentiation is crucial for understanding how liability coverage functions within the broader structure of a CGL policy.

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