Which entity is least likely to be covered under a general liability policy?

The option indicating individuals with no business activities is the least likely to be covered under a general liability policy because general liability insurance is designed specifically to protect businesses from claims related to bodily injury, property damage, and other liabilities that may arise as a result of conducting business operations.

Individuals who do not engage in any business activities are not exposed to the types of risks that general liability coverage is meant to address. This means they lack the business context in which liability claims could arise, reducing the need for such a policy.

In contrast, sole proprietors, partnerships, and public agencies are typically involved in business activities, making them more likely to encounter situations that would require general liability protection. For example, sole proprietors and partnerships are business structures where the owners can be held personally liable for business-related claims. Similarly, public agencies engage in activities that expose them to liabilities, which is why they would typically have coverage under such a policy.