Commercial liability insurance covers against personal injury, bodily injury, or property damage that occurs on your property or is caused by your business operations. There are two types of liability insurance policies: coverage for damages that occur on your business premises during operating hours and coverage for damages that occur as a result of your finished products.
For example, if a hair salon customer burns her scalp due to negligence or has an accident during her appointment, then the primary insurance would cover her medical care. However, the salon would need the additional liability insurance policy to cover scalp burns as a result of in-house shampoo that is bottled and sold to customers.
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