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⚖️ '''Personal injury''' in the insurance context encompasses bodily harm, emotional distress, and certain non-physical torts — such as defamation, invasion of privacy, false arrest, and malicious prosecution — that give rise to [[Definition:Liability | liability]] [[Definition:Claim | claims]] against an [[Definition:Insured | insured]]. The term carries a specific meaning in insurance that differs from everyday usage: while the general public often equates personal injury with any physical harm, [[Definition:Insurance policy | insurance policies]] — particularly [[Definition:Commercial general liability insurance (CGL) | commercial general liability]] forms — use it as a defined coverage category distinct from [[Definition:Bodily injury | bodily injury]]. Understanding this distinction is essential for proper [[Definition:Coverage | coverage]] analysis and [[Definition:Claims management | claims handling]].

⚙️ Under the standard [[Definition:Insurance Services Office (ISO) | ISO]] [[Definition:Commercial general liability insurance (CGL) | CGL]] policy, personal injury and advertising injury are grouped together in Coverage B, separate from bodily injury and property damage in Coverage A. Coverage B responds when the insured is alleged to have committed offenses like wrongful eviction, slander, libel, or violation of a person's right of privacy — provided the offense arises out of the insured's business operations and is not excluded. [[Definition:Claims adjuster | Adjusters]] evaluate whether the alleged offense fits within the policy's enumerated list, and they must navigate [[Definition:Exclusion | exclusions]] for intentional acts, contractual liability, and other carve-outs. In [[Definition:Personal lines insurance | personal lines]], [[Definition:Homeowners insurance | homeowners policies]] also provide limited personal injury [[Definition:Liability coverage | liability coverage]], though the scope is narrower.

🔍 Accurately categorizing a claim as personal injury rather than [[Definition:Bodily injury | bodily injury]] — or vice versa — can determine whether coverage exists, which [[Definition:Policy limit | limits]] apply, and whether a [[Definition:Deductible | deductible]] or [[Definition:Self-insured retention (SIR) | self-insured retention]] is triggered. Misclassification leads to [[Definition:Coverage dispute | coverage disputes]], [[Definition:Bad faith | bad faith]] exposure, and potential [[Definition:Errors and omissions insurance (E&O) | errors and omissions]] liability for agents who fail to explain the distinction to their clients. As social media and digital communications expand the landscape of defamation and privacy-related allegations, personal injury claims are increasingly intersecting with [[Definition:Cyber insurance | cyber liability]] and [[Definition:Media liability insurance | media liability]] products. Insurers that stay ahead of these evolving risks position themselves to underwrite and defend personal injury exposures more effectively.

'''Related concepts:'''
{{Div col|colwidth=20em}}
* [[Definition:Bodily injury]]
* [[Definition:Commercial general liability insurance (CGL)]]
* [[Definition:Liability coverage]]
* [[Definition:Advertising injury]]
* [[Definition:Personal injury protection (PIP)]]
* [[Definition:Homeowners insurance]]
{{Div col end}}

Definition:Personal injury - Revision history

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