Exam DISC-IA Practice Question 834
Study guide: Exam DISC-IA
An adjuster reviewing a CGL claim writes: "A customer's guest was injured by a product we sold. Exclusion k, damage to your product, applies, so the claim is denied." Which criticism of this coverage analysis is most accurate?
- A) The analysis is correct, because any claim involving the insured's product is excluded
- B) The analysis should have started with the limits of insurance, because limits decide coverage
- C) The analysis is wrong only because a guest of a customer is not a third party
- D) The analysis skipped the insuring agreement and misread the exclusion, which removes only damage to the product itself
Answer this question and see the worked solution
Concepts tested
- Coverage Analysis
- CGL Coverage A Insuring Agreement
- CGL Coverage A Exclusions
- Commercial General Liability