Personal Injury — Insurance Claims Definition
Liability
In liability insurance, offenses such as false arrest, libel, slander, invasion of privacy — not physical bodily injury.
Personal injury coverage under CGL Coverage B addresses enumerated torts like defamation, malicious prosecution, and wrongful eviction. It is distinct from bodily injury despite confusing everyday use of "personal injury" for physical harm.
Social media defamation claims increasingly trigger this coverage when not excluded.
Examples
A business is sued for slander after a manager falsely accuses a customer of theft online; Coverage B may respond subject to exclusions.
Common Mistakes
Using "personal injury" colloquially for any physical hurt confuses policy interpretation. Assuming all online statements are covered.
