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A Commercial General Liability insurance policy is generally triggered when a small business or its owner is sued because another person is injured, or somebody else’s property has been damaged. Most commonly, a claim occurs if there is a slip and fall on the small business premises and the injured person sues. Sometimes in the course of operations somebody else’s property could be damaged, and they’ll sue to re-coup their losses.
Regardless of if a small business is at fault, it can be accused of negligence and sued for many different things, making general liability a very important insurance coverage for operating a small business. General liability will apply to a nonprofit or individual similarly, to cover lawsuits accusing them of negligence.