General liability policies that protect most American businesses are designed to provide coverage for bodily injury and property damage to a customer or visitor.
Examples of bodily injury... A customer slips on your walkway. A product you sell causes a person to become ill. An employee causes a fire that burns down the hotel they are staying at. Faulty construction causes a collapse and ten people are killed.
The policy defines bodily injury as "bodily injury including death." Yes, bodily injury is really defined as bodily injury. In most states bodily injury does not include emotional distress or mental anguish. Some insurers have special endorsements to the policy that adds emotional distress and anguish. Some, not all. This could be a significant coverage hole in your insurance program. Talk with your insurance adviser.
Examples of bodily injury... A customer slips on your walkway. A product you sell causes a person to become ill. An employee causes a fire that burns down the hotel they are staying at. Faulty construction causes a collapse and ten people are killed.
The policy defines bodily injury as "bodily injury including death." Yes, bodily injury is really defined as bodily injury. In most states bodily injury does not include emotional distress or mental anguish. Some insurers have special endorsements to the policy that adds emotional distress and anguish. Some, not all. This could be a significant coverage hole in your insurance program. Talk with your insurance adviser.
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