https://www.insurerbrain.com/w/index.php?action=history&feed=atom&title=Definition%3APersonal_and_advertising_injuryDefinition:Personal and advertising injury - Revision history2026-04-29T07:33:48ZRevision history for this page on the wikiMediaWiki 1.43.8https://www.insurerbrain.com/w/index.php?title=Definition:Personal_and_advertising_injury&diff=8013&oldid=prevPlumBot: Bot: Creating new article from JSON2026-03-10T13:36:46Z<p>Bot: Creating new article from JSON</p>
<p><b>New page</b></p><div>📰 '''Personal and advertising injury''' is a category of [[Definition:Liability insurance | liability]] coverage found within [[Definition:Commercial general liability (CGL) insurance | commercial general liability (CGL)]] policies that protects businesses against [[Definition:Claim | claims]] alleging non-physical harms such as defamation, libel, slander, wrongful eviction, malicious prosecution, invasion of privacy, and the misappropriation of advertising ideas or trade dress. It occupies its own coverage section—typically Coverage B in the standard [[Definition:Insurance Services Office (ISO) | ISO]] CGL form—separate from Coverage A, which addresses [[Definition:Bodily injury | bodily injury]] and [[Definition:Property damage | property damage]] arising from an [[Definition:Occurrence | occurrence]].<br />
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⚙️ Coverage B is triggered when an "offense" listed in the policy takes place during the policy period and within the coverage territory. Unlike Coverage A's occurrence-based trigger, personal and advertising injury relies on the commission of a specified offense, and the policy responds to damages the insured becomes legally obligated to pay plus [[Definition:Defense costs | defense costs]] the insurer assigns. Common scenarios include a business competitor suing over an advertising campaign that allegedly copied its slogan, a landlord-tenant dispute involving claims of wrongful eviction, or a company accused of publishing false statements about a rival. [[Definition:Underwriting | Underwriters]] often attach exclusions for [[Definition:Intellectual property | intellectual property]] infringement committed knowingly, for insureds in the media or publishing sector, or for [[Definition:Cyber liability | cyber-related]] privacy violations, tailoring the coverage to the insured's specific risk profile.<br />
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🔍 Many [[Definition:Policyholder | policyholders]] overlook Coverage B until a claim arrives, yet it can represent substantial exposure—especially for companies with active marketing operations or those in industries where competitive disputes are common. [[Definition:Insurance broker | Brokers]] and [[Definition:Risk manager | risk managers]] need to understand the boundary between personal and advertising injury coverage and other policies that might overlap or leave gaps, including [[Definition:Media liability insurance | media liability]], [[Definition:Cyber insurance | cyber insurance]], and [[Definition:Employment practices liability insurance (EPLI) | employment practices liability]] policies. As digital advertising and social media expand the ways businesses can inadvertently commit covered offenses, the frequency and complexity of Coverage B claims have grown, making careful policy review and [[Definition:Endorsement | endorsement]] management essential components of a well-structured commercial insurance program.<br />
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'''Related concepts'''<br />
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* [[Definition:Commercial general liability (CGL) insurance]]<br />
* [[Definition:Bodily injury]]<br />
* [[Definition:Advertising injury]]<br />
* [[Definition:Defamation]]<br />
* [[Definition:Coverage trigger]]<br />
* [[Definition:Endorsement]]<br />
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