In the case of a bodily injury claim against a Pizza Take-out and Delivery Service, which coverage would respond?

In the scenario of a bodily injury claim against a Pizza Take-out and Delivery Service, the coverage that would respond is Products Liability. This type of insurance is designed to protect businesses from claims arising out of injuries or damages caused by products they manufacture, sell, or distribute. Since the claim involves a bodily injury associated with the food provided by the pizza service, it falls under Products Liability.

For example, if a customer became ill after consuming food from the pizza service or was injured due to a misrepresentation of the product (like allergens), Products Liability would cover the legal expenses and any settlements or judgments resulting from that claim.

While other coverages listed may pertain to different aspects of the business, they wouldn't directly address the bodily injury claim linked to the product itself. Property Damage Liability covers damage to someone else's property, Employment Practices Liability addresses issues related to employment practices, and Commercial Vehicle Liability pertains specifically to liability associated with owned vehicles used for business purposes. Thus, none of these would adequately address a claim stemming from bodily injury related to the food products offered by the service.