What type of coverage does commercial general liability insurance provide?

Commercial general liability insurance primarily provides coverage for claims related to bodily injury and property damage that can occur during the course of business operations. This type of insurance is essential for businesses as it protects them from legal liabilities that might arise from accidents or incidents involving third parties. For instance, if a customer is injured on a business's premises or if the business inadvertently damages a client's property, this insurance can cover legal fees, settlements, or judgments associated with those claims.

This coverage is a fundamental aspect of business risk management, ensuring that a business can defend itself against unforeseen legal situations without bearing the financial burden alone. It does not cover theft of property, employee health needs, or business interruption losses, which are addressed by different types of insurance policies.