Los Angeles Claims Adjuster Property and Causality Practice Exam

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What does the Damage to Premises Rented to You limit cover in CGL?

Only property damage due to a storm
Liability for fire damage to rented premises
Medical expenses for injuries on rented property
General property damage liability

The correct answer is: Liability for fire damage to rented premises

The Damage to Premises Rented to You limit specifically addresses liability for fire damage to premises that an insured party rents. This coverage is crucial for businesses and individuals who lease property, as it provides financial protection in the event that a fire caused by their negligence leads to damage to the rental premises. This type of coverage is designed to respond when the insured is liable for property damage they have rented, ensuring that they are not left financially vulnerable due to unforeseen incidents occurring on a property they do not own. While other types of damages, such as natural disasters or medical expenses for injuries, may fall under different parts of a Commercial General Liability (CGL) policy, the Damage to Premises Rented to You is particularly focused on fire liability associated with rented properties.