Personal Injury refers to bodily or psychological harm caused to someone else through the insured's actions or negligence. It covers injury, sickness, disease, disability, shock, or death and can extend to non-physical injury such as defamation or false arrest when noted in the policy. For example, a customer injured by falling equipment or exposure to unsafe conditions may claim compensation. The insurer covers approved legal and medical costs within the policy limit. This protection ensures individuals affected by accidents receive fair compensation without financially crippling the responsible business.
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