What does Commercial Liability insurance cover?

Commercial Liability insurance is comprehensive in its coverage, designed to protect businesses from a broad range of liability claims that could arise during operations. The correct choice reflects this scope by including bodily injury, property damage, personal injury, and advertising injury.

Bodily injury refers to physical harm or injury to a person, which is a fundamental protection for any business that interacts with the public or clients. Property damage covers damage to someone else's property caused by the business's operations, products, or negligent acts. Personal injury encompasses offenses like defamation, false arrest, or invasion of privacy that could arise in various business contexts. Additionally, advertising injury includes claims related to advertising activities, such as copyright infringement or misappropriation of ideas, which are increasingly pertinent in today’s digital marketing landscape.

This broad coverage is critical for businesses as it addresses the risks associated with everyday operations and protects against financial losses that can arise from such claims, making it invaluable in the business environment. The other options are limited in scope and do not encompass the full spectrum of protection granted by Commercial Liability insurance.