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[QUOTE="Phabbyfundz, post: 157543, member: 49202"] Any enterprise can be sued. Customers may claim that the business caused them harm as a result of , to example a defective product, an error in the service or disregard for another persons property. Or a claimant may alleged that the business created a hazardous environment. Liability insurance pays damages for which the business is found liable, up to the policy limit as well as attorney fees and other legal defense expenses. It also pays the medical bills of any people injured by or on the premises of the business. A commercial general liability insurance policy (CGL) is the first Line of defense against any common claim. This policy covers claims in four basic categories of business liability. — bodily injury — property damage or losses — personal injury including slander or libel. [/QUOTE]
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