Which is NOT covered in Commercial General Liability Policies?

• A. Bodily Injury and Property Damage
• B. Personal and Advertising Injury
• C. Recall and Warranties
• D. Medical Payments

Answer: (C)

Commercial General Liability coverage is designed to protect against third‑party tort claims arising from the insured’s operations. The main protections are for bodily injury and property damage (the insured’s negligence causing injury or damage to others), personal and advertising injury (things like libel, slander, or misrepresentation in ads), and medical payments for injuries to third parties on premises or caused by operations, regardless of fault.

Product recalls and warranties fall outside this scope. Recall costs (notifying customers, removing products, refunds, etc.) are not typically damages from a third party’s injury or property loss, nor are they addressed by the standard auto-tort style coverages, so they’re usually excluded or require a separate product recall endorsement. Warranties are contractual promises, not tort liabilities, and the CGL excludes contractual liability such as breach of warranty. So recall and warranties are not covered.