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Bodily Injury Liability Coverage is a critical component of General Liability Insurance that protects businesses from the financial and legal consequences of third-party injuries. If a customer, visitor, vendor, or member of the public is physically injured due to your business operations, services, or premises, this coverage helps pay for medical expenses, lost wages, legal defense costs, and settlements.
From slip-and-fall accidents to injuries caused by tools, equipment, or professional services, bodily injury claims can arise without warning. Without proper liability protection, even a single incident could result in costly lawsuits or long-term financial strain. This coverage ensures your business remains protected while meeting its legal responsibilities.
Whether included in a Business Owner’s Policy (BOP) or purchased as part of a standalone General Liability Insurance policy, Bodily Injury Liability Coverage provides essential protection for businesses of all sizes and industries.
This coverage is essential for any business that:
Has customer or client foot traffic
Provides on-site or off-site services
Operates physical locations, offices, or job sites
Uses tools, equipment, or machinery
Interacts with the public, vendors, or contractors
Industries that commonly rely on Bodily Injury Liability Coverage include retail stores, contractors, professional offices, restaurants, service providers, and property-based businesses.
Bodily Injury Liability Coverage typically protects against:
Slip, trip, and fall accidents
Injuries caused by unsafe conditions
Injuries resulting from business services
Third-party injury lawsuits
Legal defense and claim investigation costs
It does not cover employee injuries (which fall under Workers’ Compensation Insurance) or intentional harm.
We identify high-risk exposure areas and structure coverage that protects your business from costly injury claims.
Our policies include legal fees, court costs, and settlements—so your business isn’t paying out of pocket during a lawsuit.
We tailor coverage based on your operations, industry, and customer interactions—not generic templates.
From claim filing to resolution, we act as your advocate to ensure fair handling and timely outcomes.
It covers medical expenses, legal defense, and settlements if your business is found responsible for injuring a customer, vendor, or other third party.
Typically, customers, clients, vendors, and visitors who are not employees of your business are classified as third parties.
Yes. Most policies cover attorney fees, court costs, and settlements, even if the claim is dismissed or ruled in your favor.
Yes. Bodily Injury Liability often extends to incidents caused by your business activities away from your primary location such as during deliveries or job site visits.
No. Employee injuries fall under Workers’ Compensation Insurance, which provides separate coverage for job-related injuries.
That depends on your operations and risk exposure. Businesses with high foot traffic or public interaction generally need higher liability limits.
Because one accident can result in significant legal and medical expenses. This coverage provides the financial protection and peace of mind that allows your business to operate confidently.
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