If a builder accidentally drops a hammer from a roof injuring a member of the public, what type of insurance covers this injury?

Comprehensive Commercial General Liability Insurance is the correct coverage for this scenario as it is designed to protect businesses from claims arising from bodily injury or property damage that occur as a result of the business's operations. In this instance, the accidental dropping of a hammer from a roof and the subsequent injury to a member of the public falls under the typical coverage provided by this type of insurance policy.

This policy typically covers incidents that occur on job sites and can include situations like slips and falls, injuries caused by tools, or other accidents that may happen as part of the contractor's day-to-day business activities. The crucial element is that it provides liability protection against third-party claims, which is the situation presented here.

Workers' Compensation Insurance, while essential for covering injuries sustained by employees in the course of their work, would not apply in this case since the injury was inflicted on a member of the public rather than on a worker. Builder's Risk Insurance covers damage to the construction project itself and would not address liability for injuries caused to third parties. Professional Liability Insurance protects against claims related to professional errors or omissions and is not relevant to physical accidents occurring due to operational issues.