Louisiana P&C Adjuster Practice Exam

Which of the following scenarios is considered an occurrence under a Commercial General Liability policy?

1. A child chokes on a toy purchased online

2. A man slips on a grocery store floor

3. A customer suffers food poisoning at a restaurant

4. A woman sustains an injury from a showroom couch

The correct answer is: A child chokes on a toy purchased online

The scenario involving a child choking on a toy purchased online is aligned with the concept of an "occurrence" under a Commercial General Liability (CGL) policy. An occurrence generally refers to an accident, including continuous or repeated exposure to substantially the same harmful conditions, leading to bodily injury or property damage. In this scenario, the child choking on the toy represents an unintentional event that causes bodily injury, which is a key component in establishing an occurrence. The CGL policy is designed to protect businesses from liability due to such incidents that arise from their products or operations, underscoring the responsibility of manufacturers and sellers to ensure their products are safe for consumers. In contrast, the other scenarios may involve liability claims, but they each pertain to different aspects or liabilities that may not directly align with the scope of coverage under a CGL policy. For instance, a slip and fall incident in a grocery store, food poisoning at a restaurant, or injury from a showroom couch could invoke different types of liability coverage or specific exclusions, as they relate to premises liability, product liability in specific contexts, or negligent actions rather than general occurrences as defined in a CGL policy. Thus, the choking incident directly correlates with the standard definitions and exclusions outlined