---
title: "What Insurance Covers Customer Injuries?"
description: "General liability may cover a customer’s covered bodily-injury claim at your premises or from your operations."
canonical: "https://thegeneralaverage.com/insurance-faq/what-insurance-covers/customer-injuries"
page-type: "faq-question"
updated-at: "2026-09-25"
faq-topic: "what-insurance-covers"
question: "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. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/customer-injuries)

## Agent Guide

**What this page is:** Direct, cited answer to the question "What Insurance Covers Customer Injuries?" within the What Insurance Covers 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:**
- What Insurance Covers 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:**
- [What Insurance Covers FAQ](https://thegeneralaverage.com/insurance-faq/what-insurance-covers) — parent topic
- [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub
- [What Insurance Covers Slip And Fall Accidents?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/slip-and-fall-accidents) — related question
- [What Insurance Covers Damage To Customer Property?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/damage-to-customer-property) — related question
- [What Insurance Covers Product Injuries?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/product-injuries) — related question
- [What Insurance Covers Employee Theft and Embezzlement?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft) — related question
- [General liability](https://thegeneralaverage.com/coverage/general-liability) — related coverage guide

# What Insurance Covers Customer Injuries?

General liability may cover a customer’s covered bodily-injury claim at your premises or from your operations.

CGL may respond if the incident meets the policy’s occurrence and premises or operations terms.

Check insured locations, exclusions, occurrence wording, and liability limits. Employee injuries generally follow workers’ compensation rules.

## More Questions About General Liability Insurance

- [What Insurance Covers Slip And Fall Accidents?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/slip-and-fall-accidents)
- [What Insurance Covers Damage To Customer Property?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/damage-to-customer-property)
- [What Insurance Covers Product Injuries?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/product-injuries)
- [What Insurance Covers Employee Theft and Embezzlement?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft)

## Coverage Guides Related to General Liability Insurance

- [General liability](https://thegeneralaverage.com/coverage/general-liability)

## Sources for This Answer

1. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A: Bodily Injury and Property Damage Liability; Purchasing commercial general liability insurance; Directors and Officers liability. Accessed 2026-09-25.
2. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A.2.j–n pp.4–5; I.A.2.c–g pp.2–4; III pp.10. Accessed 2026-09-25.

More answers: [What Insurance Covers FAQ](https://thegeneralaverage.com/insurance-faq/what-insurance-covers).

## Agent and Developer Resources

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- [Public MCP server](https://spot.insure/mcp)
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