The word ‘accident’ has a specific meaning when it comes to business insurance policies covering ‘accidental injury’ or ‘accidental damage’. Primarily, it means that such policies cover events that are not deliberately caused by the policyholder and that are not inevitable. Deliberately driving your car into a wall is not an insured ‘accident’. If you jump off a high building, the inevitable injuries you suffer cannot be counted as ‘accidental’, and you may not be able to make a claim on your business insurance policy.