Which coverage provides protection for both bodily injury and property damage?

Which coverage provides protection for both bodily injury and property damage?

• A. Protective Liability
• B. Builder's Risk
• C. Property Insurance
• D. Indemnify

Answer: (A)

Protective liability covers liability protection for claims of bodily injury and property damage arising from construction activities. It handles third‑party injuries or property damage caused by the contractor’s operations, which is exactly what you’d need if someone is harmed or neighboring property is damaged due to the project. Builder’s Risk focuses on physical loss or damage to the project itself and generally doesn’t cover injuries or third‑party property damage. Property Insurance deals with damage to property owned or insured by the policyholder but not with injuries to people or third‑party property. Indemnify is a contractual promise to compensate for losses, not a form of insurance coverage. So protective liability is the option that protects against both types of harm.

Protective liability covers liability protection for claims of bodily injury and property damage arising from construction activities. It handles third‑party injuries or property damage caused by the contractor’s operations, which is exactly what you’d need if someone is harmed or neighboring property is damaged due to the project. Builder’s Risk focuses on physical loss or damage to the project itself and generally doesn’t cover injuries or third‑party property damage. Property Insurance deals with damage to property owned or insured by the policyholder but not with injuries to people or third‑party property. Indemnify is a contractual promise to compensate for losses, not a form of insurance coverage. So protective liability is the option that protects against both types of harm.