Define 'bodily injury' as used in a CGL policy.

• A. Damage to tangible property.
• B. Physical injury to the body, including sickness or disease, and death resulting.
• C. Emotional distress not resulting in physical injury.
• D. Loss of use of property.

Answer: (B)

In a CGL policy, bodily injury means physical harm to the body, including sickness or disease, and death resulting from that harm. This definition covers tangible physical harm, not just emotional or psychological distress. The phrase “including sickness or disease, and death resulting” expands it to medical conditions and fatalities that arise from the initial injury.

That’s why this choice is the best: it clearly defines bodily injury as physical injury to the body, whereas the other options describe property damage (damage to or loss of use of property) or nonphysical harm (emotional distress without physical injury), which fall outside the standard bodily injury definition.