Questions: John, an employee of building contractor BuildRight, was operating a crane at a construction site when he negligently dropped a load of steel beams onto a nearby parked car, causing significant damage. Which one of the following categories of commercial liability loss exposures does this scenario best represent? Select one: A. Products and completed operations liability B. Autonhabile liability C. Premises and operations liability D. Workers compensation and employers liability

The answer is C. Premises and operations liability

This category pertains to liability arising from products that have been sold or operations that have been completed. Since the incident occurred during an ongoing operation at a construction site, this option is not applicable.

Automobile liability involves the use of vehicles. In this scenario, the damage was caused by a crane, which is considered construction equipment rather than an automobile. Therefore, this option is not relevant.

Premises and operations liability covers incidents that occur on the premises of a business or during its operations. Since John was operating a crane at a construction site and caused damage during this operation, this scenario fits well within this category.

Workers compensation and employers liability pertain to injuries or illnesses suffered by employees in the course of their employment. This scenario involves property damage caused by an employee's actions, not an injury to the employee, making this option inapplicable.