What is a common EXCLUSION under most commercial general liability (CGL) policies?

Premises liability refers to the responsibility of property owners to ensure their premises are safe for visitors. This type of liability is typically covered under CGL policies, as it pertains to injuries to third parties occurring on business premises, making it a common inclusion rather than an exclusion.

Injuries to customers, occurring on the business premises or as a result of the business's operations, are usually covered under CGL policies. These policies are designed to protect businesses from claims resulting from injuries to non-employees, thereby making this option an inclusion rather than an exclusion.

Completed operations liability covers claims that arise from work that has been finished and delivered. This is generally included in CGL policies to protect businesses against liabilities stemming from their completed projects. Therefore, it is not a common exclusion but rather a key component of coverage.