Liability for damages to family members as a result of the employee's occupational injury or disease, such as illness spreading to family members, would Part Two provide coverage for which category?

• A. Loss of companionship
• B. Consequential damages
• C. Family medical claims
• D. Claims for consequential bodily injury

Answer: (D)

Part Two handles the employer’s liability to others for bodily injuries that flow from the employee’s on-the-job injury or disease. When harm reaches family members—like a spouse contracting illness spread from the employee or medical claims arising because of the employee’s condition—these are injuries to third parties that occur as a consequence of the employee’s injury. That downstream, or consequential, impact is what Part Two covers, described in policy terms as consequential bodily injury. Other terms aren’t the standard category used in this part of the coverage, so they don’t fit as the proper designation.