What types of coverage does a commercial general liability policy provide?

A commercial general liability policy offers a wide range of coverage that is crucial for businesses. It is designed to protect against claims for bodily injury, property damage, personal injury, advertising injury, and medical payments.

Bodily injury coverage addresses injuries to individuals that occur on the insured's premises or as a result of the insured's operations, providing financial protection against legal claims for injuries. Property damage coverage extends to damage inflicted on someone else's property, which could occur during business operations or as a result of the business’s activities.

Additionally, personal and advertising injury coverage safeguards against claims resulting from offenses such as libel, slander, and copyright infringement, which are particularly relevant in our digital and media-driven environment. Lastly, the medical payments component covers medical expenses for individuals injured on the business premises, regardless of fault, which helps in fostering good relations with the public and minimizing potential legal actions.

By encompassing these various aspects, a commercial general liability policy provides comprehensive protection for businesses against significant risks they may face.