Does Your General Liability Policy Include Mental Anguish?

Your general liability insurance covers bodily injury and property damage. Bodily injury is defined as “bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time.” (Yes you read that right, bodily injury is bodily injury!).

How about emotional injury or mental anguish? It’s not there! Some insurers add a separate endorsement to the policy. Others leave the insured dangling. Some courts have ruled that emotional injury is bodily injury. I want it in the policy.

Emotional injury claims are a very real part of the legal landscape. Ask your agent if emotional injury is a part of your insurance coverage. The answer may upset you, emotionally.