What type of coverage does a Commercial General Liability (CGL) policy provide for damages caused by a valet parking service?

A Commercial General Liability (CGL) policy is designed to provide broad coverage for businesses, including risks associated with various operations, such as a valet parking service. This type of policy typically covers both property damage and personal injury.

In the context of a valet parking service, property damage may arise if a vehicle is damaged while parked or during the retrieval process. Moreover, personal injury coverage protects against claims related to bodily injury or emotional distress caused to third parties. For instance, if a valet accidentally causes an injury to a customer while moving a vehicle, the CGL would respond to such claims.

By including protection for both categories of potential liability, a CGL policy effectively safeguards the business against a range of claims that may emerge from its operations in valet parking service, thereby affirming the comprehensive nature of its coverage.