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

• A. Property Damage
• B. Slander
• C. Risk
• D. Occurrence

Answer: (A)

Property damage is the term used to describe physical injury to tangible property and includes the resulting loss of use of that property. This means coverage considers not only the visible damage but also the owner's inability to use the property while it’s being repaired or replaced. For example, if a storm damages a storefront’s façade, the damage itself is property damage and the time the business can’t operate from that location—the loss of use—also falls under the same concept. Slander refers to spoken defamation, which is about reputational harm rather than physical harm to property. Risk is about the chance of loss, not an actual injury. Occurrence refers to the event that causes damage, not the damage itself.