What is typically included in a general liability insurance policy?

A general liability insurance policy primarily offers protection against third-party bodily injury claims. This type of insurance is designed to safeguard businesses from claims arising from injuries or damages to individuals who are not employees of the company. For instance, if a customer slips and falls on a wet floor in a store, general liability insurance can help cover the associated medical costs or legal fees if a lawsuit is filed.

In addition to bodily injury, general liability policies often cover property damage that the insured may cause to someone else's property during business operations, as well as personal and advertising injury. This is crucial for businesses, as it provides peace of mind in case of accidents or incidents that could result in significant financial liability.

The other options are not typical components of a general liability insurance policy. Health insurance for employees does not fall under general liability coverage but is instead considered employee benefits or group health insurance. Coverage for auto accidents would be part of a commercial auto policy rather than general liability. Investment options for insurers do not relate to the coverage provided to businesses but rather refer to the financial management strategies of insurance companies themselves.