Does General Liability Cover Bodily Injury and Customer Injuries?
Usually yes for a customer’s covered accidental injury when your business is legally liable; medical-payments coverage may also pay some injuries without proof of fault.
CGL can cover a customer’s accidental bodily injury when your business is legally liable and the claim meets the policy’s terms. Coverage A addresses liability claims; Coverage C may pay limited medical expenses for certain non-employee injuries without proving fault. The medical-payments limit and conditions are separate from liability coverage.
Employee injuries are handled differently, usually through workers’ compensation. Check the CGL definitions, exclusions, and both limits. If a contract requires a specific limit or additional-insured status, verify the issued policy and endorsement; a certificate alone does not add coverage.
Related Coverage
Sources
- Commercial general liability insurance. Insurance Information Institute; What commercial general liability insurance covers; Coverage A, B and C; Additional liability coverages to consider. Accessed 2026-09-25.
- Commercial General Liability Coverage Form, CG 00 01 12 07. ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25.
