What if it's a snow / ice slip outside?

Same coverage, but insurers evaluate whether you maintained reasonable snow removal — negligence findings raise settlement value.

Customer slipped on your premises?

Customer Slip and Fall — Does Business Insurance Cover It? (US)

General liability (CGL) is the primary coverage — usually $1M/$2M. MedPay handles minor injuries without proving fault. Deductible varies.

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The short answer

Commercial General Liability (CGL) covers bodily injury on your premises up to your per-occurrence limit ($1M standard, $2M aggregate). Medical Payments (MedPay) — usually $5K–$10K — pays minor customer injuries without a lawsuit or fault finding. Report immediately; late notice is the #1 reason slip-and-fall claims get denied.

Frequently asked

What if it's a snow / ice slip outside?: Same coverage, but insurers evaluate whether you maintained reasonable snow removal — negligence findings raise settlement value.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription