Which of the following is covered under property insurance?

• A. Coverage for personal injury claims
• B. Compensation for loss of physical property
• C. Liability for employee workplace injuries
• D. Protection against cyber attacks

Answer: (B)

Property insurance primarily focuses on providing compensation for the loss or damage of physical property. This includes coverage for various types of property, such as homes, commercial buildings, and personal belongings. When an insured event occurs—such as fire, theft, or vandalism—property insurance compensates the policyholder for the financial loss associated with that damage or loss, aligning perfectly with the definition of property insurance.

In contrast, personal injury claims often involve legal liabilities and fall under different insurance categories, like liability insurance. Liability for employee workplace injuries is typically covered by workers' compensation insurance rather than property insurance. Protection against cyber attacks is more aligned with cyber liability insurance or technology errors and omissions insurance, which also differs from traditional property insurance. Understanding these distinctions clarifies why the correct answer emphasizes compensation for physical property loss as the primary focus of property insurance.