Filed Under:Claims, Education & Training

Defining ‘Physical Injury’

The FC&S editors recently discussed an interesting issue: the meaning of “physical injury” in conjunction with a claim for property damage under the CGL form.

Property damage is defined in the CGL form as “physical injury to tangible property” or “loss of use of tangible property that is not physically injured.” There is usually no problem with the meaning of “tangible property”—but what is “physical injury”?

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