What type of policy typically covers liability for injuries caused by intoxicated customers in a business?

A commercial general liability policy is designed to cover a broad range of liability issues that businesses may face, including injuries to third parties. This type of policy typically includes coverage for bodily injury and property damage that occur on the business premises or as a result of the business operations.

In the context of injuries caused by intoxicated customers, this policy would provide coverage in situations where a customer becomes intoxicated and causes harm to themselves or others. The business could be held liable for the actions of its patrons if it's proven that the establishment overserved alcohol, leading to a harmful situation. The general liability policy is essential for businesses that serve alcohol, as it protects them against claims stemming from incidents related to alcohol consumption.

The other types of policies mentioned do not cover this kind of liability. A property policy generally covers damages to physical assets, a business interruption policy focuses on loss of income resulting from unforeseen interruptions, and a workers' compensation policy is specific to employee injuries sustained in the workplace. None of these would address liability related to intoxicated customers, making the commercial general liability policy the appropriate choice.