What does Coverage H (bodily injury and property damage) insure?

What does Coverage H (bodily injury and property damage) insure?

• A. Bodily injury and property damage
• B. Medical payments
• C. Personal injury
• D. Advertising injury

Answer: (A)

Coverage H is the liability protection that covers the insured’s legal responsibility to others for injuries or damage caused by the insured’s acts. It specifically covers bodily injury and property damage that result from an occurrence, up to the policy limits, and includes the cost of defending a lawsuit along with any settlements or judgments. Medical payments to others are handled under a separate coverage and are paid regardless of fault, while personal injury or advertising injury are not part of this liability section. For example, if a visitor is injured on your property, Coverage H would apply to your liability for the injury (and related defense costs) up to the limit.

Coverage H is the liability protection that covers the insured’s legal responsibility to others for injuries or damage caused by the insured’s acts. It specifically covers bodily injury and property damage that result from an occurrence, up to the policy limits, and includes the cost of defending a lawsuit along with any settlements or judgments. Medical payments to others are handled under a separate coverage and are paid regardless of fault, while personal injury or advertising injury are not part of this liability section. For example, if a visitor is injured on your property, Coverage H would apply to your liability for the injury (and related defense costs) up to the limit.