What type of coverage does a standard commercial general liability policy NOT typically include?

A standard commercial general liability (CGL) policy is designed to provide broad coverage for a range of liabilities that a business may face, particularly those related to bodily injury, property damage, personal injury, and medical payments.

Property damage liability protects against claims arising from damage to someone else's property due to the business operations. Personal injury liability covers damages resulting from non-physical harm, such as defamation or invasion of privacy. Medical payments provide coverage for medical expenses incurred by individuals who are injured on the premises of the business, without requiring the injured party to prove fault.

Auto liability, however, is not included in a standard CGL policy because it specifically addresses risks associated with the operation of vehicles. Businesses typically need a separate automobile liability insurance policy to cover damages and injuries resulting from their vehicles. This distinct separation helps to ensure that vehicle-related risks are appropriately managed and covered under policies designed for that type of exposure.