Book an appointment here

Bodily Injury

In the context of insurance, bodily injury refers to any physical harm that a person suffers. This can range from minor injuries like bruises or cuts to more severe ones like broken bones or long-term disabilities.

What is Bodily Injury in Insurance?

Bodily injury in insurance terms is used to describe physical damage to a person’s body that is often the result of an accident or violence. The term is crucial in insurance policies because it determines the kind of medical assistance, compensation for pain or suffering, and other types of support an injured person might receive.

Example: Imagine a situation where a customer slips on a wet floor in a cafe and breaks their arm. The bodily injury in this case would be the broken arm, and any resulting physical complications directly related to the accident. The cafe’s liability insurance would typically cover the medical expenses and possibly other damages awarded to the injured customer.

Key Components of Bodily Injury Covered

The key components of bodily injury in the realm of insurance include:

  • Physical Pain and Suffering: This component refers to the actual physical discomfort and pain that the injured party experiences as a result of the injury.

  • Medical Expenses: These are costs related to medical care needed to treat the bodily injury. This can include hospital stays, medical treatments, surgeries, and ongoing physical therapy.

  • Loss of Earnings: If the bodily injury prevents the injured person from working, this component covers the lost wages during the recovery period.

Types of Bodily Injury Covered

Insurance policies can cover various types of bodily injuries, which include but are not limited to:

Cuts and Lacerations

These are injuries in which the skin is sliced or pierced, often requiring medical treatment such as stitches or bandages.

Broken Bones

This includes any fracture in the bones caused by accidents, falls, or direct impacts.


Ranging from minor to severe, burns may need extensive treatment and can occur from fire, heat, chemical exposures, and electricity.

Traumatic Brain Injury (TBI)

Injuries to the brain that can result from bumps, blows, or jolts to the head; TBIs can range from mild concussions to severe brain damage.

Exclusions and Limitations

While insurance policies cover many aspects of bodily injury, there are exclusions and limitations to be aware of:

  • Pre-existing Conditions: Injuries that involve pre-existing conditions may not be fully covered under some insurance policies.

  • Intentional Injuries: Injuries that are self-inflicted or caused intentionally by someone else may not be eligible for coverage.

  • Illegal Activities: Injuries sustained while committing illegal acts or during activities that involve a high level of risk and are not covered by standard insurance policies (like certain extreme sports) might not be covered.