In liability insurance, what is "bodily injury" coverage?

Bodily injury coverage in liability insurance specifically refers to protection provided for claims that involve physical injury to a person. This type of coverage typically addresses the legal liability of an insured for bodily injuries caused to another individual due to the insured's actions or negligence. In broader terms, it encompasses medical expenses, lost wages, and other related costs arising from physical harm inflicted on another party.

This coverage does not extend to protecting against damage to property, nor does it relate to insurance for injuries sustained during natural disasters or address workplace injuries, which would fall under different kinds of insurance, such as property coverage or workers' compensation. Thus, the focus of bodily injury coverage is purely on physical injuries inflicted on people rather than any of the specified situations mentioned in the other answer choices.