How is 'bodily injury' defined in insurance terms?

In insurance terminology, 'bodily injury' specifically refers to any physical harm that affects a person, which includes injury, sickness, or even death. This definition encompasses a broad range of physical ailments or injuries that an individual can suffer as a result of an incident, often related to accidental events or implications of negligence.

Understanding this definition is crucial for interpreting various insurance policies, particularly those in commercial casualty coverage, which often provide liability protection against claims of bodily injury. By defining these terms clearly, insurance professionals ensure that they understand the types of claims that may arise from incidents involving personal harm to third parties, facilitating better risk assessment and management.

While the other options mention relevant aspects of insurance or specific scenarios, they do not capture the comprehensive nature of 'bodily injury' as defined in the industry. For example, physical damage to property relates to damage affecting objects rather than individuals, while losses incurred due to vehicle accidents might involve bodily injury claims but do not define the term directly. Emotional distress claims, although they can overlap with bodily injury in specific contexts, primarily relate to psychological rather than physical harm and thus fall outside the accepted definition of bodily injury in insurance.