What type of insurance protects against claims for bodily injury and property damage for non-employees?

The correct answer is Comprehensive General Liability Insurance (CGL) because it is designed specifically to provide coverage for claims of bodily injury and property damage that occur as a result of business operations or activities, excluding claims made by employees who are covered under workers’ compensation policies. CGL policies protect businesses from the financial impact of lawsuits or claims relating to incidents that cause physical harm or damage to third parties or their property during normal business operations.

General Liability Insurance typically covers similar risks but may not fully encompass all aspects included in a comprehensive policy. Professional Liability Insurance, on the other hand, focuses on claims related to professional services, such as negligence or malpractice, rather than physical injuries or property damage. Workers’ Compensation Insurance is meant to cover medical expenses and lost wages for employees injured on the job, distinguishing it further from the context of protecting non-employees against injury and damage claims.