What is typically covered by general liability insurance?

What is typically covered by general liability insurance?

• A. Personal property loss
• B. Medical expenses for injuries on the insured property
• C. Property damage caused by natural disasters
• D. Professional errors made while providing service

Answer: (B)

General liability insurance is designed to protect businesses from claims that arise in the normal course of operations. This includes coverage for bodily injury and property damage to third parties. Medical expenses related to injuries that occur on the insured property fall under this insurance. If someone is injured on the premises, general liability can cover their medical bills, which is a crucial aspect of protecting a business from potential lawsuits and financial liability. While personal property loss usually pertains to property insurance, property damage from natural disasters is typically covered by specialized policies like flood or earthquake insurance. Professional errors, often addressed under professional liability or errors and omissions insurance, are not part of general liability coverage. Thus, the relevance of medical expenses for injuries occurring on the insured property aligns directly with the core purpose of general liability insurance, reinforcing why this option is the correct answer.

General liability insurance is designed to protect businesses from claims that arise in the normal course of operations. This includes coverage for bodily injury and property damage to third parties. Medical expenses related to injuries that occur on the insured property fall under this insurance. If someone is injured on the premises, general liability can cover their medical bills, which is a crucial aspect of protecting a business from potential lawsuits and financial liability.

While personal property loss usually pertains to property insurance, property damage from natural disasters is typically covered by specialized policies like flood or earthquake insurance. Professional errors, often addressed under professional liability or errors and omissions insurance, are not part of general liability coverage. Thus, the relevance of medical expenses for injuries occurring on the insured property aligns directly with the core purpose of general liability insurance, reinforcing why this option is the correct answer.