Which component of a commercial general liability policy would cover bodily injury claims?

The component of a commercial general liability policy that covers bodily injury claims is the Bodily Injury and Property Damage Liability. This coverage is specifically designed to protect businesses from claims that arise due to injuries to third parties or damage to their property resulting from the insured's operations or premises.

This coverage includes legal fees for defending against these claims and any settlements or judgments that may arise from these lawsuits. It addresses situations where an individual may be injured on a business's property or as a result of business activities, providing essential protection for a business's financial health.

Other components of the policy serve different purposes. For instance, Personal and Advertising Injury Liability primarily covers non-physical injuries, such as defamation or copyright infringement, while Medical Payments Coverage offers a way to pay for medical expenses incurred due to an injury on the premises, regardless of liability. Operations Liability Coverage is more focused on risks associated with the actual operations of the business rather than on bodily injury specifically.