Which form of insurance is specifically designed to cover business-related incidents?

Commercial general liability insurance is specifically designed to cover business-related incidents, making it the most suitable choice for this question. This type of insurance offers protection against claims of bodily injury, property damage, personal injury, and advertising injury that can arise from the operations of a business. It is essential for business owners to have this coverage, as it helps safeguard their assets, covers legal fees, and provides financial support in the event of lawsuits.

The other options do not focus on business-related incidents in the same way. Workers' compensation insurance, while essential for businesses, is specifically aimed at injuries or illnesses that employees may experience while on the job, rather than general business operations. Homeowners insurance is designed for residential properties and protects against personal losses in a home, not business-related risks. Travel insurance covers unforeseen events while traveling, such as trip cancellations and medical emergencies, and is unrelated to business operations. Each of these alternatives serves a particular purpose, but none provide the broad protection for business liabilities that commercial general liability insurance does.