A civil action in which a party claims some sort of damage to their person caused by another party. These might be negligence actions (such as a car crash), or an intentional action (such as an assault or trespass).

Federal law defines a "Disability" as a physical or mental impairment that substantially limits or restricts the condition, manner, or duration under which an average person in the population can perform a major life activity, such as walking, seeing, hearing speaking, breathing, learning, working, or taking care of oneself.

Guarantees compensation for worker, contractor or layperson working on a home project who might be injured while working on site.