What does commercial general liability insurance protect against?

Commercial general liability insurance is designed to protect businesses against claims of bodily injury and property damage that occur as a result of their operations, products, or services. This type of insurance is essential for businesses as it helps cover legal fees and settlements when someone is injured or their property is damaged due to the business's actions or negligence.

For example, if a customer slips and falls on a wet floor in a retail store, the store could be held liable for associated medical costs and potential legal fees. Additionally, if a product sold by the business causes damage to a third party's property, general liability insurance would cover those claims as well.

The other options listed do not fall under the scope of commercial general liability insurance. Personal health expenses are covered by health insurance, automobile accidents are typically addressed through auto insurance, and life insurance policies provide financial protection upon the death of an individual, which is unrelated to commercial liability. Understanding the specific protections offered by different types of insurance can help businesses make informed decisions about their coverage needs.