Bodily Injury Exclusions – Watch out

Bodily Injury Exclusions – Watch out

Bodily Injury/Property Damage Exclusions

There are probably three main categories of Professional Indemnity (four if we include Medical Malpractice) which are Financial Lines, Construction Related Risks and Miscellaneous Consultants. It does not matter if the Financial lines has a Bodily Injury Exclusion along with most consultants, however Construction Related Risks such as Engineers, Architects, Project Managers must have this exclusion removed as simply, most of their types of claims may well lead to Bodily Injury and/or Property Damage. Insurers have been known to leave these exclusions in testing the skill of the poor unsuspecting Brokers. Make sure any profession where a mistake could lead to bodily injury or property damage does not have this exclusion.