In a commercial general liability (CGL) policy, who is NOT considered an employee?

In a commercial general liability (CGL) policy, the term "employee" is defined to cover individuals who work for the insured, typically in an ongoing capacity, such as full-time or part-time workers, and even interns when they receive some form of compensation or are traditionally considered part of the workforce. Temporary workers, on the other hand, are generally not classified as employees under the standard definitions in most CGL policies.

Temporary workers are often hired through an agency or for a limited term, and their relationship with the business is less stable or permanent than that of full-time, part-time, or intern employees. As a result, they may not have the same protections or coverage under the CGL policy that regular employees do. This distinction emphasizes the temporary nature of their engagement, making them less likely to be included in the employee definition for CGL purposes.

Understanding this is crucial for businesses in determining liability coverage and responsibilities, as knowing who qualifies as an employee under their insurance policy helps manage risks and ensure compliance with insurance requirements.