Arruda's death was not the result of an accidental bodily injury
independent of all other causes.
It pays up to P250,000 in the event that the cardholder sustains accidental bodily injury
which results in loss of life, sight or limb;
Section I covers contract works against an all risks cover, and Section II provides indemnity to the insured contractor against his liability towards third parties for accidental bodily injury
caused to them, or for damage to their property as a direct result of the contractor's negligence whilst carrying out contract works at the site.
After initial notice of Accidental Bodily Injury
or Sickness or Disease the Insurers shall be allowed to secure the Insured's medical records, to monitor treatments and/or to send any medical examiner selected by the Insurers to examine the Insured and every facility shall be given for such examination.
The occurrence definition makes it clear that coverage under a CGL form is meant for accidental bodily injury
or property damage.
Additional coverage can include "Voluntary Medical Payments" that will pay for medical, dental, hospital, nursing, ambulance and funeral expenses resulting from accidental bodily injury
caused to a person as a result of maintenance or use of the premises or the personal acts of an insured.
* An accident only disability income rider with higher issue rates that provides a monthly income for those who have become totally disabled due to an accidental bodily injury
A further pounds 2million is also included in the cover for any legal liability that arises from accidental bodily injury
or accidental damage to a property.
Generally speaking, it makes the insurer strictly liable for employees' accidental bodily injury
or disease arising out of and in the course of employment.
It states: "A board of education will save harmless and protect all teachers from financial loss arising out of any suit or judgment by reason of alleged negligence or other act resulting in accidental bodily injury
of accidental damage to property of any person within or outside the school building, provided such teacher, at the time of the accident or injury, was acting in the discharge of their duties within the scope of their employment." Section 3023, however, will not hold teachers harmless if they intentionally hurt students.