Which injury would be covered by a CGL policy?

A Commercial General Liability (CGL) policy primarily covers third-party bodily injury and property damage that occurs on the insured's premises or as a result of the insured's operations. In this scenario, a customer injured while standing in a "For Employees Only" area clearly falls under the liability of the business owner. The CGL policy is designed to protect businesses from claims made by customers or other third parties, making this case a prime example of coverage.

When a customer sustains an injury while on the premises, regardless of the signage, the business may be held liable for not providing a safe environment. The key here is that the individual injured is not an employee but a customer, aligning with the CGL coverage for non-employees.

In contrast, the other scenarios involve individuals who typically would fall under different covers or exclusions. Injuries to leased workers, employees, or friends or family of employees generally would not be covered by the CGL policy. Instead, injuries sustained by employees are usually addressed under workers' compensation insurance. This is why the injury to the customer in the specified situation aligns with the objectives and protections of a CGL policy.