Personal & Advertising Injury

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Personal & Advertising Injury Personal and advertising injury is typically an infringement on a person or business’s personal or intellectual rights. This type of coverage is included in most commercial general liability (CGL) insurance policies. It protects businesses against financial losses arising from specific non-physical injuries caused to others, typically through their actions, publications, or advertising. These injuries are distinct from physical harm or property damage. 1) Personal injury liability typically covers legal costs and damages awarded in lawsuits alleging: -Libel: False written statements that harm someone's reputation. -Slander: False spoken statements that harm someone's reputation. -False arrest: Wrongful detainment by law enforcement. -Malicious prosecution: Initiating legal proceedings without probable cause. -Invasion of privacy: Unlawful intrusion into someone's private life. -Wrongful eviction: Removing someone from their property illegally. 2) Advertising Injury Liability: Covers legal costs and damages awarded in lawsuits alleging: -Infringement of copyright, trademark, or trade dress: Using someone else's intellectual property without permission. -Idea misappropriation: Using someone else's creative idea without permission. -Slogan copying: Using another company's advertising slogan without permission. -False advertising: Making misleading or deceptive statements in marketing or advertising. Keep in mind that P&AI coverage is not a substitute for other types of insurance. Specific exclusions may apply. Limits of coverage apply P&AI coverage plays a vital role in protecting businesses from unexpected financial losses, especially those that rely heavily on advertising and marketing. #inclusiveinsurance #insurance #reinsurance #takaful

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