What does General Liability/Injury refer to?

The concept of General Liability/Injury primarily pertains to injuries that occur on the business's property, affecting customers or visitors. This area of insurance is designed to protect a business from claims resulting from injuries and accidents that happen on its premises, which could lead to legal actions or financial loss.

When a customer sustains injury while on business property, the liability coverage would address legal fees, medical costs, and any settlements that arise from such incidents. This is fundamental to ensuring businesses can operate without the overwhelming risk of financial repercussions should an accident occur involving a patron, thus promoting a safer environment for customers.

In contrast to the other options, this definition does not limit coverage to employees, nor does it apply to incidents occurring off-site. It also differentiates from occupational health insurance, which primarily covers workplace-related injuries experienced by employees and does not encompass liability for injuries to customers. Understanding the scope of General Liability/Injury is essential for a practice to manage risk effectively and uphold safety standards for all individuals on their premises.