No. Never tell someone they do not need medical care. Your role is to ensure their well-being is addressed, not to make medical judgments. Instead, encourage them to be evaluated by a professional, especially if they report any pain or discomfort. You can say, “I’m not a doctor, so it’s always best to get checked out to be safe.“ This shows reasonable care and prevents accusations that you downplayed their injuries, which could be seen as an admission of guilt.

General liability is a broad category of insurance that covers common business risks from everyday operations. It’s not for auto or professional errors. Instead, it typically covers third-party bodily injury (like a customer slipping in a store), third-party property damage (like damaging a client’s property), and personal/advertising injury (like libel or slander). It’s a foundational coverage for most businesses to protect against claims from customers, vendors, or the public for incidents that occur on business premises or from general business activities.

It affects both. While your insurer handles the financial defense and payouts, a claim can still impact you personally. Your insurance premiums will likely increase for several years. If the claim exceeds your policy limits, you are personally liable for the difference, which could lead to wage garnishment or liens on your assets. A formal lawsuit becomes public record. In some professional contexts, a liability claim could affect your reputation or required licensing, even if you are not found at fault.