Which geographic areas are included in the coverage territory of Commercial General Liability?

The coverage territory of Commercial General Liability (CGL) insurance is specifically defined to include the United States, Puerto Rico, and Canada. This delineation ensures that businesses operating in these regions are protected against various liabilities they may face in their day-to-day operations.

Puerto Rico is included because it is a territory of the United States, thus extending CGL coverage to entities operating there. The inclusion of Canada aligns with cross-border trade and operations, acknowledging the close economic ties between the U.S. and Canada.

Understanding this coverage territory is fundamental for businesses as it informs them of the scope of their liability protection when conducting operations internationally within the specified regions. Options citing areas beyond this defined geographic territory would expose businesses to risks outside their CGL coverage, thereby affecting their overall risk management strategy.