What does commercial liability insurance primarily protect businesses from?

Commercial liability insurance is designed to protect businesses from claims that arise due to bodily injury or property damage caused by the business's operations, products, or services. This type of insurance covers legal costs, settlements, and judgments associated with claims made against the business for physical injuries or damage to someone else's property.

For instance, if a customer slips and falls in a store, or if a product manufactured by the business causes damage to a customer's property, the commercial liability insurance would provide coverage for the expenses related to those claims. This protection helps ensure that businesses can manage risks associated with their operations and remain financially stable even when faced with lawsuits or claims from third parties.

While other forms of insurance may cover theft, employee behavior, or loss of reputation, these aspects fall outside the primary coverage provided by commercial liability insurance, which focuses predominantly on bodily injury and property damage claims.