WHAT IS PERSONAL AND ADVERTISING INJURY LIABILITY?

 

Personal and Advertising Injury Liability covers liability for a group of specifically named offenses, which don’t involve bodily injury or property damage, aren’t caused by an accident, but nonetheless are liability exposures common to most organizations.  These are liabilities for:

 

 

                PERSONAL AND ADVERTISING INJURY LIABILITIES

 

 

▪    False Arrest, Detention, or Imprisonment

 

▪    Malicious Prosecution

 

▪    Wrongful Eviction or Entry by a Landlord

 

▪    Libel, Slander, or Disparagement of an Organization

 

▪    Invasion of Privacy through Spoken or Written Statements

 

▪    Unauthorized Use of an Idea in Advertising

 

▪    Infringement of Copyright, Product Image or Slogan in Advertising

 

 

 

 

Rather than being issued on a stand-alone basis, Personal and Advertising Injury Liability is always written as a component of other types of liability policies:

 

 

         ▪    COVERAGE UNDER COMMERCIAL GENERAL LIABILITY

 

In 1986 Personal and Advertising Injury Liability was combined with General Liability and became Section B of the standard Commercial General Liability policy

 

Exclusions include

  • Liability for Employment Practices

  • Liability of insureds in the business of advertising, broadcasting, publishing, website consulting, or internet services

 

 

         ▪    COVERAGE UNDER NONPROFIT DIRECTORS & OFFICERS LIABILITY

 

Personal Injury Liability arising out of Employment Practices is included under most Nonprofit Directors & Officers Liability policies

 

 

 

         ▪    COVERAGE UNDER PROFESSIONAL LIABILITY

 

Personal and Advertising Injury Liability is included under Professional Liability policies designed for organizations in the business of advertising, broadcasting, publishing, website consulting, or internet services