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Commercial Liability Insurance comes in two forms. One is for the workplace itself and one is for the product liability.
So if you are in business, you need to insure for someone getting injured on your premises or in your parking lot if that is part of your premises. This can be for slip/trip and falls (most Common) to your building caught on fire and it also caught the building next to you on fire.
Another aspect of this part of the insurance is if say a contractor accidentally damages or injures someone on the job.
After the job is done is when the Product liability take effect. If the job is not performed right, or two days later the ceiling falls in after replacing your roof, etc.
There is a special liability coverage for white collar products, such as doctors, lawyers, insurance professionals, etc. That is Professional Liability Coverage and is not normally part of the common Commercial Liability Coverage.
I worked in commercial insurance for 20+ years, but I've been out of it for a while so some of my terms may not be exact, but the concepts never change.
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