What is the difference between Bodily Injury and Property Damage in CGL terms?

• A. Bodily Injury is physical harm to people; Property Damage is physical damage to or loss of use of tangible property
• B. Bodily Injury means property damage caused by persons; Property Damage means damage to property caused by animals
• C. Bodily Injury covers only medical costs; Property Damage covers litigation costs
• D. Bodily Injury includes intangible losses; Property Damage includes income loss

Answer: (A)

Bodily Injury refers to physical harm to people, including injuries, sicknesses, diseases, or death. Property Damage refers to physical damage to tangible property or to the loss of use of that property caused by an occurrence.

So, if someone slips and breaks a leg at your business, that’s bodily injury. If a fire damages a building or a product warehouse, that’s property damage (including any loss of use of the damaged property). The key distinction is harm to people versus harm to property.

The other descriptions don’t fit the standard CGL definitions: bodily injury is not limited to medical costs alone, and property damage isn’t about property caused by animals, nor does it cover purely intangible or income losses as the defining scope.