Which type of liability insurance protects businesses from claims resulting from injuries on their premises?

General liability insurance is specifically designed to protect businesses from claims that arise due to injuries or accidents occurring on their premises. This type of coverage addresses situations where third parties—such as customers or visitors—sustain injuries on the business owner's property. For instance, if a customer slips and falls in a retail store, general liability insurance would cover the costs associated with the claim, including medical expenses and potential legal fees.

In contrast, professional liability insurance focuses on claims related to the services provided by professionals—such as negligence or errors in professional services—rather than physical injuries occurring on premises. Product liability insurance pertains to injuries caused by defective products sold by a business, while workers' compensation insurance provides coverage for employees who are injured while performing their job duties, rather than accidents involving non-employees on the premises. Thus, general liability insurance is the correct choice for businesses seeking coverage for injuries occurring on their property.