At strong repulsion, the triangular-lattice Hubbard model is described by $s=1/2$ spins with nearest-neighbor antiferromagnetic Heisenberg interactions and exhibits conventional 120$^circ$ order. Using the infinite density matrix renormalization group and exact diagonalization, we study the effect of the additional four-spin interactions naturally generated from the underlying Mott-insulator physics of electrons as the repulsion decreases. Although these interactions have historically been connected with a gapless ground state with emergent spinon Fermi surface, we find that at physically relevant parameters, they stabilize a chiral spin-liquid (CSL) of Kalmeyer-Laughlin (KL) type, clarifying observations in recent studies of the Hubbard model. We then present a self-consistent solution based on mean-field rewriting of the interaction to obtain a Hamiltonian with similarities to the parent Hamiltonian of the KL state, providing a physical understanding for the origin of the CSL.