What type of insurance covers the cost of injury if a hammer is dropped from a roof and injures a member of the public?

The situation described involves liability for an accident that causes injury to a member of the public due to an action taken during a construction or renovation project. Comprehensive Commercial General Liability Insurance is specifically designed to protect businesses from claims arising from injuries or damages that occur on their premises or as a result of their operations.

This type of insurance covers legal liabilities, including bodily injury, property damage, and personal injury claims. In the instance of a hammer falling from a roof and injuring someone, the general liability policy would cover the medical costs, legal fees, and any settlement or judgment amounts associated with the injury claim. It is essential for contractors and businesses carrying out construction work to have this insurance to protect against unforeseen accidents that could lead to significant financial liability.

Other insurance types listed, such as Injured Persons Health Insurance, primarily cover medical costs for the injured party but do not protect a business from liability claims. Workers' Compensation Insurance is focused on injuries sustained by employees while on the job and does not cover public liability. The Homeowners Construction Lien Recovery Fund pertains to the resolution of disputes regarding unpaid work and does not relate to injury claims. Therefore, Comprehensive Commercial General Liability Insurance is the appropriate choice to cover public injuries resulting from accidents in a business context.