Which term means physical injury to tangible property, including all resulting loss of use of that property?

• A. Occurrence
• B. Risk
• C. Property Damage
• D. Punitive Damages

Answer: (C)

Property damage means physical injury to tangible property, including the resulting loss of use of that property. In liability policies, this covers harm to real or personal property caused by an insured’s actions, as well as the property's temporary or permanent inability to be used while it’s being repaired or replaced. It focuses on concrete objects, not on people or intangible losses. The other terms point to different ideas: an occurrence is the event that causes damages or injuries and can trigger coverage; risk is a general idea of exposure rather than a defined type of damage; punitive damages are a specific punishment-type award, not the nature of the property harm. So the term that best matches physical injury to tangible property and its loss of use is property damage.