General liability coverage protects You in the event of bodily injury to The Other Guy.
General Liability also provides coverage for You in the event of The Other Guy’s property damage or loss of use.
Another liability coverage that is included is personal and advertising Injury. This coverage applies to The Other Guy’s reputation or legal rights.
Fire Legal Liability is always included, but only pays in the event of a fire for property of The Other Guy in a building that you lease. Your Stuff should be covered on your Property policy.
Medical Payments coverage will pay for The Other Guy’s medical costs following an injury without even questioning who was at fault. The limit is low, and the company does this to avoid a lawsuit.
Hired and Non Owned Auto Liability coverage can be added to protect You if an employee gets in a wreck in their own car while they are working for You. This can be added to the Commercial Auto policy instead if you have one.