Which description best defines Property Damage under CGL Coverage A?

• A. Damage to intangible assets.
• B. Temporary disruption of operations.
• C. Physical injury to tangible property, including loss of use or destruction.
• D. Loss of profits due to market changes.

Answer: (C)

Property Damage under CGL Coverage A means physical injury to tangible property, including the loss of use of that property or its destruction. This covers tangible items like buildings, equipment, or signs that are damaged, as well as the fact that you can’t use the property while it’s damaged. The concept isn’t about intangible assets or about purely economic losses; intangible assets aren’t tangible property, and lost profits or market-driven interruptions aren’t property damage unless tied to actual damage to physical property. So when property is damaged or destroyed, and the property’s use is impaired, that fits Property Damage coverage.