What is the primary purpose of Coverage A in a commercial general liability policy?

The primary purpose of Coverage A in a commercial general liability policy is to cover bodily injury claims. This component of the policy addresses injuries sustained by third parties due to the insured's business operations or premises. It is designed to protect the business from financial loss related to legal expenses and settlements that may arise from claims of bodily injury.

Bodily injury, as defined in these policies, typically refers to physical harm to a person, including medical expenses and pain and suffering, stemming from accidents or incidents linked to the business. This type of coverage is essential for any business as it helps mitigate the risk associated with injuries that can occur on-site or as a result of business activities.

The other options focus on different aspects of coverage that are not the primary aim of Coverage A. For instance, while property damage claims and advertising injury are also covered under different sections of the general liability policy, they do not fall under Coverage A's main function. Employee injuries are generally addressed under workers' compensation insurance, which separately covers on-the-job injuries to employees.