Which insurance policy would protect against a claim if a customer comes to the contractor's office and falls down and suffers an injury?

Which insurance policy would protect against a claim if a customer comes to the contractor's office and falls down and suffers an injury?

• A. Workers' Compensation
• B. Professional Liability
• C. Builders Risk
• D. Commercial General Liability

Answer: (D)

Premises liability is what protects a business when a nonemployee is injured on its property, such as a customer who slips and falls in the contractor’s office. A Commercial General Liability policy provides coverage for these third-party bodily injuries that arise from the business’s operations and on-site conditions, including slip-and-fall incidents, along with defense costs up to the policy limits. Workers’ Compensation covers injuries to employees, not customers. Builders Risk covers damage to a construction project’s property, not injuries on the office premises. Professional Liability covers errors in professional services, not standard premises injuries. So, the best protection in this scenario is Commercial General Liability.

Premises liability is what protects a business when a nonemployee is injured on its property, such as a customer who slips and falls in the contractor’s office. A Commercial General Liability policy provides coverage for these third-party bodily injuries that arise from the business’s operations and on-site conditions, including slip-and-fall incidents, along with defense costs up to the policy limits. Workers’ Compensation covers injuries to employees, not customers. Builders Risk covers damage to a construction project’s property, not injuries on the office premises. Professional Liability covers errors in professional services, not standard premises injuries. So, the best protection in this scenario is Commercial General Liability.