What does Personal Injury Liability cover?

Personal Injury Liability coverage is specifically designed to protect individuals against claims that arise from non-physical injuries to other people. This includes situations where an individual may cause harm through slander (defamation through spoken words) or libel (defamation through written words). These types of injuries can result in significant legal claims, and Personal Injury Liability helps cover the legal costs and any damages awarded in these cases.

The focus of this coverage is on protecting against claims that can lead to financial loss from reputational harm rather than physical harm or damage to tangible property. Other options presented relate to physical injuries or property damage, which fall under different types of liability coverage, such as bodily injury liability or property damage liability. The distinction is crucial in understanding how personal injury liability plays a role in broader insurance policies, emphasizing its focus on protecting individuals from claims related to reputational harm rather than direct physical or medical injuries.