New York State Asbestos Investigator Practice Exam

Which of the following is NOT typically covered by general liability insurance?

1. Claims related to asbestos exposure

2. Injury on the job site

3. Property damage to third parties

4. Employee injuries

The correct answer is: Employee injuries

General liability insurance is designed to protect businesses from various claims, including those related to property damage to third parties and personal injuries that occur on the premises or as a result of business operations. However, employee injuries are typically covered by workers' compensation insurance, not general liability insurance. This distinction is crucial because workers' compensation is specifically tailored to address injuries and illnesses that employees may sustain during their work activities. It provides benefits to employees without the need for them to prove fault on the part of their employer. In contrast, general liability insurance would apply to claims made by non-employees for incidents that are not work-related. Consequently, while claims related to asbestos exposure might fall under specific environmental or liability policies aimed at addressing those exposures, and injuries on a job site could be pertinent to general liability depending on the circumstances, employee injuries fundamentally belong under the umbrella of workers' compensation. This separation helps ensure that different aspects of risk management are appropriately addressed within the insurance landscape.