What is "commercial general liability insurance" aimed at protecting?

Commercial general liability insurance is specifically designed to protect businesses from claims that involve bodily injury or property damage. This form of insurance covers a wide range of potential liabilities that a business may face during its normal operations. For instance, if a customer is injured on the business premises or if a business inadvertently damages a client's property while providing services, commercial general liability insurance helps cover the legal costs, medical expenses, and potential settlements or judgments.

This broad coverage is essential for businesses of all sizes, as it alleviates financial burdens that can arise from legal claims and helps maintain operational continuity. The focus on protecting businesses distinguishes this type of insurance from personal insurance products tailored for individuals, which typically cover different types of risks.