What type of insurance coverage typically applies to loss exposures from a business's premises and operations?

Commercial general liability insurance is specifically designed to cover loss exposures that arise from a business's premises and operations. This type of insurance protects against a variety of claims, including bodily injury, property damage, and personal injury that may occur as a result of the business’s activities. It provides coverage for incidents that could happen on the business premises or as a result of operations conducted away from the premises.

For instance, if a customer slips and falls in a store or if a product sold causes injury to someone, commercial general liability insurance would typically provide coverage for the legal costs and any settlements or judgments that arise from those incidents. This coverage is fundamental for businesses as it helps protect their financial resources from potential lawsuits and claims that can arise from everyday operations.

Other types of insurance mentioned in the choices, such as professional liability insurance, focus on different areas like errors or omissions in professional services; workers' compensation insurance specifically covers employee injuries on the job; and commercial auto insurance pertains to vehicles used for business purposes. Each of these serves a different purpose and does not encompass the general liability exposures associated with premises and operations. Therefore, commercial general liability insurance is the most appropriate choice for the coverage of loss exposures from a business's premises and operations.