Washington State Insurance Practice Exam

Which of the following does not typically fall under general liability insurance?

1. Injury caused by business operations

2. Product or service defects

3. Coverage for personal vehicles

4. Property damage due to accidents

The correct answer is: Coverage for personal vehicles

General liability insurance is designed to protect businesses from various claims, including bodily injury, personal injury, and property damage that can arise from their operations. It typically covers incidents that occur on the business premises or as a result of the business activities. Coverage for personal vehicles, however, does not fall under general liability insurance. Personal vehicles require a different type of insurance, specifically personal auto insurance or commercial auto insurance if they are used for business purposes. This distinction is crucial because personal auto insurance protects against risks associated with the use of personal vehicles, which is unrelated to the business's general liability exposure. The other options—injury caused by business operations, product or service defects, and property damage due to accidents—are all scenarios that general liability insurance is meant to address, making them integral parts of the coverage that this type of insurance provides.