General Liability
Bodily Injury Liability
When a customer slips in your store, a visitor is injured on your job site, or your employee injures someone during business operations, bodily injury liability responds. It covers medical costs, legal defense, and settlements — protecting your business from claims that could otherwise eliminate years of built equity.
General Liability
What You Need to Know About Bodily Injury Liability
Medical Costs & Settlements
Covers the injured party's medical treatment, rehabilitation, and ongoing care costs. If the claim results in a lawsuit, the policy also pays your attorney fees, court costs, and any settlement or judgment — up to your policy limits.
On-Premises and Off-Premises
Coverage applies at your business location and anywhere your operations take you — job sites, client facilities, and public spaces. If your employee injures someone making a delivery or on a service call, bodily injury liability responds.
Required by Most Leases and Contracts
Commercial landlords and clients routinely require proof of bodily injury liability coverage before signing leases or service agreements. Standard requirements are $1M per occurrence and $2M aggregate — and higher limits are often needed for larger contracts.