General Liability
Personal & Advertising Injury
Advertising injury covers claims arising from your business communications, not physical harm, but reputational or intellectual harm. Libel, slander, copyright infringement in marketing materials, and wrongful eviction are all covered under this component of your general liability policy. These claims can arise even when no harm was intended.
Coverage Principle
Personal & Advertising Injury should be reviewed against real exposure, not assumed from the coverage label.
The real issue is not whether the coverage exists; it is whether the limits, exclusions, eligibility rules, definitions, contracts, people, property, timing, and carrier requirements match how the risk actually shows up. When those details are not reviewed before renewal or enrollment, a policy can look complete on paper while the most important conditions remain unclear until someone tries to use it.
General Liability
What You Need to Know About Personal & Advertising Injury
Libel & Slander
Covers written and spoken statements made in the course of your business, about competitors, former employees, or customers, that lead to defamation claims. Claims often arise from online reviews, social media posts, and marketing content.
Copyright Infringement
Covers inadvertent use of copyrighted images, text, or music in your advertising, website, or promotional materials. Businesses that create their own content face this exposure regularly, and the claims are expensive to defend.
Defense Even Without Merit
Advertising injury claims are costly to defend even when they have no basis. Your policy covers attorney fees and court costs from the first dollar of a covered claim, protecting your cash flow while the matter is resolved.