Jennifer Harughty of Texas was having fun at a Houston Astros baseball game last summer. At least until, she claims, the T-shirt cannon fired by the Astros’ mascot seriously injured her finger. She’s had surgery and is now suing the team to recover her expenses.
If the Astros have to pay Harughty, the money will most likely come from the team’s insurance coverage — their general liability coverage. It applies to bodily injuries and property damage: in other words, it’s beneficial for nearly every business.
Bodily injury is defined as injury, sickness, or disease sustained by a person, including death resulting from any of these at any time.
Property damage is physical injury to tangible property, including all resulting loss of use of that property, or loss of use of tangible property that is not physically injured. Tangible property is anything that’s a possession: land, buildings, tools, vehicles, and almost everything else you can think of.
While a basic general liability policy provides coverage for bodily injury and property damage claims, you can expand coverage with the addition of these endorsements to your policy:
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Hastings Mutual Insurance Company
404 E. Woodlawn Ave.
Hastings, MI 49058
8:00 a.m. - 4:30 p.m. (EST)