In the context of the Commercial General Liability (CGL) policy, which coverage responds to a claim for a faulty connection that caused a fire?

The coverage that responds to a claim for a faulty connection that caused a fire is Completed Operations Liability. This type of coverage is designed to protect businesses against claims arising from work that has been completed. When a company finishes a project and the work is found to be defective, leading to damages such as a fire from a faulty connection, Completed Operations Liability would be the relevant coverage.

This is essential for contractors and service providers, as it addresses risks associated with work that may not manifest any issues until after the project is completed and has been turned over to the client. It essentially ensures that any claims resulting from negligence or improper workmanship after the job is done will be covered, thereby protecting the contractor from costly lawsuits or damage claims.

Other types of coverage, such as Premises and Operations Liability, typically apply while the activities are ongoing or related to the site of operations. Products Liability applies specifically to goods that a business sells, while Personal Injury Liability pertains to non-physical injuries, such as slander or invasion of privacy, but does not typically cover property damage due to faulty workmanship. This clarification helps illustrate why Completed Operations Liability is the appropriate response to the scenario presented.