Which of the following would likely be covered under broadform liability?

Prepare for the ANZIIF Tier 1 Exam. Familiarize yourself with insurance basics using multiple choice questions, each with hints and explanations. Get ready to succeed!

Broadform liability insurance policies are designed to provide a wider range of coverage than standard liability policies, addressing various liabilities that may arise in the course of business activities. The correct choice pertains to liabilities that may occur during the policy period, including claims stemming from intentional acts such as assault and battery.

Assault and battery are typically seen as intentional torts, and broadform liability policies often cover such risks, provided they're stated in the policy. This coverage can be essential for businesses that may face claims resulting from violent behaviors or altercations that occur while conducting normal business operations.

Focusing on the other options, they generally do not align with the broadform liability concept. Direct damage to property, while a possible concern for businesses, primarily pertains to property insurance rather than liability coverage. Physical injury due to negligence hints at standard general liability, which covers unintentional misconduct but does not extend to intentional acts like assault and battery. Intentional infliction of emotional distress is generally covered by specific professional liability policies rather than broadform liability, which is more focused on tangible incidents occurring in the physical realm.

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