--- title: "Does General Liability Cover Bodily Injury and Customer Injuries?" description: "Yes, when a customer or visitor is accidentally hurt and your business is liable; medical payments coverage can also pay their medical bills regardless of fault." canonical: "https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "general-liability" question: "does-general-liability-cover-bodily-injury-and-customer-injuries" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does General Liability Cover Bodily Injury and Customer Injuries?" within the General Liability FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does General Liability Cover Bodily Injury and Customer Injuries? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [General Liability FAQ](https://thegeneralaverage.com/insurance-faq/general-liability) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does General Liability Cover Property Damage?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-property-damage) — related question - [Does General Liability Cover Employee Injuries?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-employee-injuries) — related question - [Does General Liability Cover Damage to Rented Property or Premises?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-rented-property-and-rented-premises) — related question - [Does General Liability Cover Subcontractors?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-subcontractors-and-independent-contractors) — related question - [Does General Liability Cover Independent Contractors?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-independent-contractors) — related question - [General liability](https://thegeneralaverage.com/coverage/general-liability) — related coverage guide - [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) — related coverage guide # Does General Liability Cover Bodily Injury and Customer Injuries? Yes, when a customer or visitor is accidentally hurt and your business is liable; medical payments coverage can also pay their medical bills regardless of fault. Yes. If a customer or other non-employee is accidentally hurt and your business is legally responsible, general liability pays the damages and defends you, up to your limit. Medical payments coverage, part of the same policy, can pay an injured visitor's medical expenses without anyone proving fault, if the injury happened on your premises or because of your operations. It has its own separate limit. Injuries to your own employees are excluded. Those go to workers' compensation. ## More Questions About General Liability Insurance - [Does General Liability Cover Property Damage?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-property-damage) - [Does General Liability Cover Employee Injuries?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-employee-injuries) - [Does General Liability Cover Damage to Rented Property or Premises?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-rented-property-and-rented-premises) - [Does General Liability Cover Subcontractors?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-subcontractors-and-independent-contractors) - [Does General Liability Cover Independent Contractors?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-independent-contractors) ## Coverage Guides Related to General Liability Insurance - [General liability](https://thegeneralaverage.com/coverage/general-liability) - [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) ## Sources for This Answer 1. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; What commercial general liability insurance covers; Coverage A, B and C; Additional liability coverages to consider. Accessed 2026-09-25. 2. [Commercial General Liability Coverage Form, CG 00 01 12 07](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25. 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