What does "Bodily Injury" typically include in liability coverage?

Bodily injury in liability coverage primarily refers to physical harm inflicted on a person. This encompasses a range of physical injuries such as cuts, broken bones, or any other form of physical trauma sustained as a result of an accident or incident for which one is found liable. The coverage is designed to protect the insured from financial loss due to legal claims arising from such injuries, including medical expenses and compensation for pain and suffering.

Emotional distress and incidents of invasion of privacy do fall under different types of personal injury claims but do not qualify as "bodily injury" in the context of liability coverage. Similarly, claims related to property damage pertain to issues affecting tangible assets rather than individuals, hence they are categorized separately from bodily injury claims.