What type of coverage does a CGL offer for injury caused by an employee while operating business equipment?

The reason why the chosen answer about the Coverage General Liability (CGL) providing liability for employee actions is correct lies in the fundamental principles of CGL policies. These policies are designed to protect businesses from liability claims arising from injuries or damages that occur in the course of business operations. This includes situations where employees are acting on behalf of the company.

When an employee is operating business equipment and causes injury, the CGL will typically cover the liability stemming from that action, recognizing that the employee was acting within the scope of their employment. This coverage is essential as it shields the business from the financial burden of legal expenses, settlements, or judgments related to claims for bodily injury or property damage caused by the employee's operations.

In contrast, the other options do not accurately represent the scope of coverage provided by a CGL policy. For example, focusing solely on property damage overlooks the broader liability aspects of employee actions that the CGL specifically addresses. Similarly, while legal fees might be part of the coverage under certain circumstances, the option does not encapsulate the core liability coverage provided by the CGL related to employee actions. Lastly, indicating that the coverage is limited to negligent acts does not fully recognize that the policy extends to various types of liability beyond just negligence