What Insurance Covers Customer Injuries?

Commercial general liability is generally the coverage line to examine for third-party bodily injury or property damage from premises or operations. The policy responds only when its insuring agreement, definitions, and covered-cause requirements are satisfied; the line name by itself does not establish that a loss qualifies. A customer injury is a third-party bodily-injury exposure. General liability may respond to covered allegations from premises or operations, while employee injury follows workers’ compensation rules.

Common exceptions include exclusions, sublimits, deductibles, and conditions specific to the insured property, claimant, or event. Different forms can treat closely related losses differently, so a quote summary or certificate is not enough to establish the complete terms. The policy and endorsements control.

For this exposure, check insured locations, occurrence terms, exclusions, and liability limits. Ask the broker to point to the applicable grant and exception in the actual form, and verify who is insured, the policy period, limits, and claim-notice steps.