What coverages are provided by a business liability coverage form?

• A. Bodily injury, property damage, personal injury, advertising injury and medical expenses
• B. Vehicle liability and theft
• C. Property insurance and flood
• D. Workers' compensation only

Answer: (A)

The main idea is that a business liability coverage form protects a company against third‑party claims arising from its operations. It covers bodily injury and property damage, plus non‑physical harms that can come from business activities, such as personal injury and advertising injury, and it also covers medical expenses for injured parties. This combination—bodily injury, property damage, personal injury, advertising injury, and medical expenses—is what a typical liability form provides, making the listed option the best fit.

The other choices describe coverages that aren’t part of a standard business liability form: vehicle liability and theft relate to auto or property risks, property insurance and flood cover property losses, and workers’ compensation is a separate coverage for employee injuries.