YOU ASK:

What kind of insurance covers personal injury liability?

WE ANSWER:

Depending on whether you need liability insurance for your personal actions, or your business operations, you can get personal injury liability coverage through a public liability policy or a commercial general liability policy, respectively.

Personal injury liability coverage is one of the key parts of liability insurance, along with the liability coverage for bodily injury and property damage.

What is Personal Injury Liability

Personal injury liability refers to the established responsibility for, and the legal and financial consequences of wrongful acts resulting in offenses such as:

  • Libel or slander;
  • Malicious prosecution;
  • False arrest or imprisonment;
  • Copyright, patent or trade dress infringement;
  • Misappropriating somebody else's advertising idea;
  • Violation of somebody else's privacy;
  • Unlawful eviction.

Some examples of personal injury liability include the following:

  • A tabloid newspaper publishing tit-bits about a pop star who can in turn sue the media outlet for privacy violation;
  • Tenants who get wrongfully evicted for something they appear not to have done;
  • Using somebody else's advertising idea and presenting it as your own.

It is important to note that the liability insurance provided by a commercial general liability policy under Coverage B is usually referred to as the personal and advertising liability provision.

Personal Injury Liability Coverage Exclusions

Any type of personal injury liability is covered under a public liability or a commercial liability policy, except in the following situations:

  • Intentional wrongful actions that cause personal injury to somebody;
  • Knowingly publishing a material containing false information;
  • Unintentionally publishing false information before the policy has come into effect;
  • Any type of loss caused by pollution;
  • Breach of contract;
  • Contractual liability;
  • Products liability arising out of false description and the failure of the goods to conform to the standards advertised;
  • Misappropriation of somebody else's name, identity or product;
  • Intentional infringement of patent, trademark and other types of intellectual property;
  • Offenses committed by professional provider of information on the Internet;
  • Offenses committed by media owners.
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