What does general liability insurance protect businesses against?

General liability insurance primarily protects businesses against claims of bodily injury or property damage that arise from their operations, products, or other related activities. This type of insurance covers legal costs and any settlements or judgments that occur if the business is found liable for injuries or damages suffered by third parties.

For example, if a customer slips and falls in a store or if a product sold by the business causes harm to a person or damage to their property, general liability insurance would address these situations by providing the necessary financial protection.

The other choices refer to specific types of risks that would typically require different types of insurance. Employee theft would be covered by a crime insurance policy. Cyber attacks are generally covered under a cyber liability policy, which specifically addresses issues related to data breaches and computer-related incidents. Natural disasters would be covered by property insurance or specialized coverage like flood or earthquake insurance, depending on the nature of the disaster and the specific policy terms.