Physical impairment, in the realm of commercial insurance, refers to a condition that affects an individual's physical abilities, functions, or mobility. It refers to a limitation or loss of bodily function, strength, or coordination that may result from injuries, illnesses, or congenital conditions. Physical impairment can range from minor limitations to severe disabilities, impacting an individual's daily activities, mobility, and overall quality of life. In commercial insurance, understanding the extent and impact of physical impairment is essential for determining appropriate coverage and support for individuals or businesses. By recognizing and addressing physical impairments, insurance professionals can help tailor insurance solutions that provide necessary financial protection, accommodations, and resources to individuals or businesses navigating the challenges associated with physical limitations.
