Which of the following scenarios would most likely require a general liability claim to be filed?

In the context of general liability, the primary purpose is to protect against claims resulting from bodily injury and property damage occurring on the insured's premises or due to their operations. A scenario involving a customer slipping and falling clearly falls under this category, as it directly relates to the liability of the business for accidents occurring on their property.

When a customer slips and falls, it may indicate that the business has a responsibility to maintain a safe environment. If it can be proven that the spill or hazard that caused the fall was due to negligence in maintenance (e.g., not cleaning up a spill promptly), the affected customer could file a claim against the business for their injuries and associated damages.

Other scenarios, such as an employee being injured at work, would be addressed under workers' compensation rather than general liability, as this insurance specifically covers employees harmed during their employment. A spill occurring on store property could lead to a liability claim if a customer is injured due to that spill, but it doesn’t inherently require a claim by itself unless it results in harm. Lastly, a product malfunction typically falls under product liability rather than general liability, as it pertains to claims related to the safety of goods manufactured or sold.

Thus, the scenario of a customer slipping and falling is