What does bodily injury insurance protect against?

Bodily injury insurance is specifically designed to cover the financial costs that arise when a person suffers injury or death as a result of an incident for which the insured may be liable. This type of insurance typically helps cover medical expenses, legal costs, and any potential settlements or judgments that result from such claims.

In the context of managing properties, if a tenant or visitor experiences physical harm on the property due to negligence or unsafe conditions that the property manager should have addressed, bodily injury insurance steps in to protect the property manager from financial repercussions. This is why the focus of this insurance is primarily on injury or death incidents that occur directly on the insured's premises, making option C the correct choice.

Property damage liability focuses on damages to someone else's property; accidental machine breakdowns pertain to equipment issues; and loss of income due to business disruption relates to operational financial impacts, none of which align with the core purpose of bodily injury insurance.