Commercial General Liability Coverage primarily protects against what type of liability?

Commercial General Liability (CGL) Coverage is specifically designed to provide protection against claims related to bodily injury and property damage that may occur during the course of normal business operations. This coverage is essential for businesses as it helps guard against the financial impact of lawsuits or claims that arise from injuries to third parties or damages to their property while engaging in business activities.

When a business is sued for someone getting injured on its premises, or if it accidentally causes damage to someone's property, CGL coverage steps in to cover legal fees, settlements, and judgments, thereby ensuring that the business can manage the financial repercussions of such incidents without suffering severe financial strain.

In contrast, employee fraud is typically covered under different types of insurance such as fidelity bonds or employee dishonesty insurance, and not under CGL. Off-premises incidents can be covered under certain conditions but are not the primary focus of CGL, which emphasizes the risks associated with business operations. While liability arising from business operations is important, it is encapsulated specifically under the broader protections for bodily injury and property damage that CGL offers.