Do standard CGL forms typically have a deductible for Coverage A?

Do standard CGL forms typically have a deductible for Coverage A?

• A. Yes, there is a deductible for Coverage A
• B. No, there is no deductible for Coverage A
• C. There is always a deductible for Medical Payments
• D. There may be a deductible for Medical Payments in some forms

Answer: (D)

In a Commercial General Liability policy, Coverage A handles Bodily Injury and Property Damage liability, and in the standard form that coverage usually carries no deductible. A deductible is more commonly found with the Medical Payments portion (Coverage C) in some forms, not with Coverage A. Because the question focuses on whether Coverage A has a deductible, the most accurate takeaway is that there may be a deductible for Medical Payments in some forms, while Coverage A itself typically does not have one. That’s why the best choice is the statement that acknowledges a deductible possibility for Medical Payments in some forms.

In a Commercial General Liability policy, Coverage A handles Bodily Injury and Property Damage liability, and in the standard form that coverage usually carries no deductible. A deductible is more commonly found with the Medical Payments portion (Coverage C) in some forms, not with Coverage A. Because the question focuses on whether Coverage A has a deductible, the most accurate takeaway is that there may be a deductible for Medical Payments in some forms, while Coverage A itself typically does not have one. That’s why the best choice is the statement that acknowledges a deductible possibility for Medical Payments in some forms.