Commercial General Liability insurance policies are designed to provide protection for claims arising out of the insured’s liability for negligent acts and/or omissions causing injury or damage through operations, the ownership of property, and sale or distribution of products as well as professional services. Coverage includes defense costs and claims settlement. A series of exclusions apply for areas either uninsurable (e.g., intentional acts) or insured through other third party liability policies (e.g., auto liability, directors and officers liability).