What type of insurance covers injuries to individuals not employed by a company?

Commercial General Liability Insurance is designed to protect businesses from claims of bodily injury and property damage suffered by individuals who are not employees of that business. This type of insurance is crucial for contractors and other businesses that interact with the public or have clients on their premises. It covers legal costs and any compensation required from claims that could arise due to accidents occurring on the business's property or as a result of its operations.

For instance, if a client slips and falls at your construction site or if a passerby is injured due to a falling object, this insurance would cover the medical expenses and any legal fees associated with the claim. It plays a vital role in managing the risks associated with on-site work or services provided, ensuring that the business is financially protected against such unforeseen incidents.

The other types of insurance listed serve different purposes; for example, General Liability Insurance may refer to a broader category, including Commercial General Liability but may not provide the comprehensive coverage required. Professional Liability Insurance focuses on errors and omissions in professional services rather than bodily injury. Workers' Compensation Insurance is designed specifically for employee injuries and would not cover non-employees. Hence, the specific focus of Commercial General Liability Insurance on injuries to individuals outside the company makes it the correct choice.