Question

James is expecting a very important client to arrive in an hour so he decides to sweep and wash the floor. James finishes the job in time and goes to look over his bid for the contract one more time. James comes back out to the lobby to find his potential client laid out on the floor, having slipped and fallen. Which type of commercial general liability coverage would indemnify James' client for his injuries?

A. Insured Contacts Liability
B. Operations Liability
C. Premises Liability
D. Product Liability

Answer 1

(C) Premises Liability coverage would indemnify James' client who slipped and fell on the premises. This coverage is a part of commercial general liability insurance, which addresses injuries on the business' property.

Step-by-step explanation:

If James' potential client slipped and fell on the premises, the coverage that would indemnify the client for his injuries is C. Premises Liability.

This type of coverage is part of a commercial general liability insurance, which protects against claims for bodily injury and property damage that occur on the business' premises during regular business operations.

This is different from Operations Liability, which typically covers liabilities arising directly from the business operations themselves, Product Liability, which covers harm from products made or sold by the business, and Insured Contracts Liability, which involves liabilities under contracts the business enters into.