This Note discusses property damage and bodily injury coverage (Coverage A) under commercial general liability (CGL) insurance policies. It focuses on an insurance company's duty to defend and duty to indemnify claims and key coverages, including products-completed operations hazard (PCOH) coverage and premises operations coverage. It also discusses the scope of key policy terms, such as bodily injury, property damage, and occurrence, and explains key exclusions, such as the expected or intended injury exclusion, contractual liability exclusion, pollution exclusion, and business risk exclusions.