Personal and Advertising Injury Coverage – An Overview

Many risks your business might face are covered by a commercial general liability (CGL) policy. This is often referred to as damage to a person’s person or damage to a person’s property (covering injuries you accidentally cause to a third party).

It also has an entire coverage section dedicated to an aspect of business operations that businesses normally encounter. This coverage area is called Personal and Advertising Injury Liability Insurance.

CGL insurance includes advertising and personal coverage in two separate sections. One is personal injury liability insurance, while the other is advertising liability insurance.

Under Personal Injury Liability coverage, the insurer is responsible for claims arising out of intentional torts, including slander, false arrest, wrongful eviction, and privacy invasion.

Advertisement Liability covers claims for harm caused by misappropriation of advertising ideas, bad business practices, or infringement of copyright.

As a result of combining these two coverage sections, businesses are provided with more coverage than the usual bodily injury and property damage.