Which statement best describes Bodily Injury in insurance terms?

• A. Injuries to the body including death from injuries
• B. Damage to property
• C. Loss of use of property
• D. Intentional harm

Answer: (A)

Bodily Injury means physical harm to a person, including sickness, injury, or death resulting from an injury-causing event. That’s why the statement describing injuries to the body including death from injuries best fits the term. It focuses on harm to people rather than on property. In contrast, property damage refers to damage to tangible property, while loss of use of property is a consequence tied to property, not to a person. Additionally, standard liability coverage usually excludes intentional acts, so intentional harm isn’t considered Bodily Injury under typical policies.