What does a Bodily Injury Claim involve?

• A. Bodily injury damages suffered by a family member arising out of the employee's job-related injury/disease
• B. Property damage to equipment at the plant
• C. Environmental damage from spills
• D. Lost profits from business interruption

Answer: (A)

Bodily Injury coverage is about physical harm to people. It applies when someone suffers injuries, sickness, or death resulting from the insured’s negligence or activities, and includes related costs like medical expenses, lost wages, and pain and suffering. In the scenario described, a family member experiences bodily injury that arises from the employee’s job-related injury or disease—this is physical harm to a person connected to the insured’s operations, which fits the concept of a bodily injury claim. The other options describe damage to property, environmental pollution, or business interruption losses, which are not bodily injuries.