CGL coverage can provide liability insurance for all of the following persons, EXCEPT:

Commercial General Liability (CGL) insurance is designed to protect businesses from a range of liability exposures. This type of insurance can typically cover various parties associated with a business, including volunteers, stockholders, and sole proprietors, as they may be involved in or associated with the operations of the business and could be held liable for claims arising from those operations.

Volunteers are often included in CGL coverage because they perform work on behalf of the organization and can face liability for their actions while helping. Similarly, stockholders and sole proprietors are considered integral to the business structure and can also be protected under such coverage when their actions are related to the business.

Customers, however, do not fall into the same category of individuals covered by CGL insurance. They are typically third parties who are not part of the business or its operations. Instead, they are the ones who could potentially file claims against the business for various reasons, such as injuries or damage while using the business's services or products. Therefore, CGL would not provide liability coverage for customers themselves, but rather it would protect the business in cases where customers make claims against it.

Understanding the scope of CGL coverage is vital for businesses and adjusters to effectively manage liability risks, ensuring that appropriate