Bodily Injury Insurance Products

Compare 178 products offered for Bodily Injury Insurance from 61 companies including ATC Insurance Solutions Pty Ltd, Chubb Insurance Australia Ltd, and Edge Underwriting Pty Ltd.

Our Insurance Comparison Tool allows you to pick the policy that's right for you by comparing every plan offered by Canada's leading providers. At a loss? Our Frequently Asked Questions can explain Bodily Injury Coverage in greater detail.

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Frequently Asked Questions

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What Is Bodily Injury Insurance?

Bodily Injury (BI) Liability provides coverage for a business or individual if they are legally responsible for an accident that causes physical damage to a person or persons.


This coverage – which includes bodily harm, sickness, disease, dismemberment, and death – provides financial protection for any costs related to medical treatments as well as any potential legal costss if the policyholder is sued for damages.

Who Needs Bodily Injury Insurance?

Claims relating to bodily injuries are one of the most common in the insurance industry. Accidents can occur anywhere: inside the home, on the road, or even in the workplace. This, combined with the fact that absolutely anyone could be liable for an accident, makes the intended client for BI coverage quite broad.


Typical clients who purchase Bodily Injury coverage include:

  • Employers
  • Vehicle owners
  • Homeowners
  • Businesses
  • Healthcare professionals
  • Hospitality industry
  • Travel industry
  • Transportation industry

What Types Of Bodily Injury Are Covered?

Common types of bodily injury that result in a claim include the following:


  • Slips, trips and falls
  • Damaged limbs
  • Dismemberment
  • Loss of sight/hearing
  • Sickness (illness and disease)
  • Food poisoning
  • Paralysis
  • Victim of assault (criminal assault)
  • Road accidents (collision with a vehicle)
  • Medical malpractice (injury caused by error or negligence)
  • Death

What Does Bodily Injury Insurance Cover?

Purchasing financial protection for a BI claim not only covers the costs incurred due to an accident but any financial consequences afterwards. Such costs include:


  • Medical expenses (treatment and medications)
  • Legal fees and compensation
  • Loss of income incurred due to accident
  • Rehabilitation costs
  • Funeral expenses

What Is Not Included In Bodily Injury Insurance?

Bodily Injury insurance covers injuries or illnesses sustained after an accident. Trying to determine how the injuries or suffering were caused is the main assessment area, and the reason for disputes in BI claims. Particular types of injury or illness not covered by most general Bodily Injury insurance policies include:


  • Pre-existing conditions
  • Self-inflicted injuries
  • Accidents where the claimant was at fault

How Is Bodily Injury Insurance Sold?

Due to the frequency of related claims, Bodily Injury coverage is available as part of many inclusive insurance policies, including Home, Commercial General Liability, Travel, Umbrella/Excess, Medical Malpractice, Clinical Trials Liability and Auto insurance.


Bodily Injury insurance can be bought as either a combined single limit policy, with a payment limit per accident, or a split limit policy featuring an overall limit to cover all accidents.

The overall cost of liability coverage will vary considerably depending on the age of the client/size of the business, location, claims history and any other factors. If there has been a previous claim then the cost of the premium will increase.