Which individual is covered for accidental injury on the insured's premises under commercial general liability?

In a commercial general liability policy, coverage typically extends to individuals who are present on the insured's premises for various purposes, provided the circumstances align with the terms and stipulations of the policy. A volunteer worker is included in this coverage because they are often viewed similarly to guests in that they are not compensated for their services. As such, they are generally protected against accidental injuries that may occur while they are assisting the insured.

When examining the roles of the other individuals mentioned, they may not be as universally covered. Employees of the insured, for instance, are typically covered under a different type of policy, such as workers' compensation, which addresses injuries sustained while performing work-related duties. Similarly, while guests visiting for social purposes may be covered, this is subject to specific policy details and exclusions that could differ among insurance providers. Licensed contractors, while also working on the premises, may have their own liability insurance that covers them for work-related injuries, which might not make them eligible for a general liability policy meant for the insured’s own liabilities.

Thus, volunteer workers efficiently fit the coverage profile within the context of commercial general liability insurance, as they are there at the invitation of the insured, usually without compensation, and would need protection against unforeseen injuries occurring on the