Which of the following is NOT a primary coverage provided under the Commercial General Liability policy?

Prepare for the Mississippi Insurance Test with focused questions, hints, and detailed explanations. Enhance your knowledge and boost your confidence to succeed in your assessment!

In a Commercial General Liability (CGL) policy, the primary coverages typically include bodily injury, property damage, and personal injury. Each of these coverages addresses different aspects of liability that a business may face due to its operations.

Bodily injury coverage protects against claims resulting from physical injury to a person due to the insured’s business activities. Property damage coverage deals with damage to someone else's property that occurs as a result of the business's operations. Personal injury coverage includes claims not related to physical harm, such as defamation or invasion of privacy, but that still cause personal harm.

Liquor liability, on the other hand, is not considered a primary coverage under a standard CGL policy. Instead, it is a specific type of coverage that addresses liability associated with the sale or serving of alcoholic beverages. Businesses that handle alcohol typically need to acquire a separate liquor liability policy to be properly covered for incidents related to alcohol, as these risks are not included in the foundational CGL coverages. This distinction highlights why liquor liability is the correct choice as the answer to the question regarding what is NOT a primary coverage of the CGL policy.

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