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Personal & Advertising Injury Coverage protects your business from non-physical injury claims that can damage your finances, brand, and reputation. Included within General Liability Insurance, this coverage applies when a business is accused of offenses such as libel, slander, copyright infringement, invasion of privacy, or false advertising.
In today’s digital-first business environment, marketing messages, social media posts, website content, and advertising campaigns can unintentionally trigger legal disputes. Even a minor claim can result in costly legal defense and settlements. Personal & Advertising Injury Coverage helps cover legal fees, court costs, settlements, and judgments, allowing your business to respond confidently without absorbing financial shock.
This protection is essential for businesses that advertise, publish content, maintain an online presence, or interact publicly with customers, competitors, or media outlets.
This coverage is especially important for businesses that:
Advertise products or services
Maintain websites or blogs
Use social media or digital marketing
Publish promotional or educational content
Compete in crowded or regulated industries
Retailers, professional service providers, marketing firms, contractors, consultants, and eCommerce businesses commonly rely on this protection to manage reputational risk.
We understand how modern advertising, online content, and public communications create new liability exposures.
Our policies include access to experienced legal defense teams specializing in reputational and advertising-related claims.
We review your advertising practices and public communications to identify areas of potential exposure before issues arise.
From the first notice of a claim to final resolution, our team provides clear communication, claim tracking, and consistent advocacy on your behalf.
It covers non-physical injury claims, including libel, slander, copyright infringement, and invasion of privacy, caused by your business’s advertising or communication.
Bodily Injury covers physical harm, while Personal and Advertising Injury covers emotional, reputational, or communication-based claims.
Any business that uses advertising, digital media, or marketing—including retailers, contractors, and service providers—can benefit from this protection.
Yes. Coverage can extend to social media posts, online reviews, and marketing content that unintentionally cause harm to another person or business.
The policy pays for attorney fees, court costs, settlements, and judgments resulting from covered personal or advertising injury claims.
Intentional misconduct, false advertising, and deliberate copyright violations are excluded. Coverage applies only to unintentional or accidental actions.
In a digital-first environment, even small communication errors can lead to defamation or intellectual property lawsuits. This coverage ensures financial and legal protection against those risks.
