Bodily injury by disease caused by or aggravated by conditions of employment is covered as which type?

• A. Bodily injury by accident
• B. Bodily injury by disease caused by or aggravated by conditions of employment
• C. Property damage claims
• D. Environmental liability

Answer: (B)

The concept being tested is how workers’ compensation treats injuries that arise from disease developed or worsened by work conditions. In workers’ comp, injuries are categorized as either bodily injury by accident (a sudden event) or bodily injury by disease (a condition that develops over time due to employment conditions or is aggravated by them). The phrase in question matches the disease category, making it the correct interpretation. Other options don’t fit because they refer to a sudden incident (bodily injury by accident), damage to property (property damage claims), or pollution-related liability (environmental liability), none of which describe a bodily injury that stems from workplace disease.