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(click to expand)
What Is Bodily Injury Insurance?
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?
Typical clients who purchase Bodily Injury coverage include:
- Vehicle owners
- Healthcare professionals
- Hospitality industry
- Travel industry
- Transportation industry
What Types Of Bodily Injury Are Covered?
- Slips, trips and falls
- Damaged limbs
- Loss of sight/hearing
- Sickness (illness and disease)
- Food poisoning
- Victim of assault (criminal assault)
- Road accidents (collision with a vehicle)
- Medical malpractice (injury caused by error or negligence)
What Does Bodily Injury Insurance Cover?
- 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?
- Pre-existing conditions
- Self-inflicted injuries
- Accidents where the claimant was at fault
How Is Bodily Injury Insurance Sold?
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.