Final answer:
Commercial general liability insurance covers injuries to non-employees on the business premises, specifically to customers. It does not cover the business owner or the employees, as these are covered by workman's compensation insurance for job-related injuries.
Step-by-step explanation:
Commercial general liability insurance is designed to protect businesses from a variety of liabilities, including those arising from injuries to non-employees on business premises. In the context of your question, commercial general liability would cover an injury to a customer on the premises (option 3). It is important to note that this type of insurance typically does not cover injuries to the insured business owner or their employees. Instead, workman's compensation insurance is the policy that covers employees who suffer an injury on the job.
It is crucial for businesses to understand their insurance coverages and to ensure that they have the appropriate policies in place for different types of risks. This ensures that both the business and its stakeholders, including employees and customers, are adequately protected.
In summary, customers injured on the premises of an insured business are generally covered under that business's commercial general liability policy, not the insured or employees of the business, whether they are working or not at the time of injury.