What does personal injury liability coverage protect against?

Personal injury liability coverage is specifically designed to provide protection against claims arising from non-physical injuries, which typically include issues such as defamation, slander, invasion of privacy, and emotional distress. This type of coverage is important because it addresses the legal responsibilities that an individual or business may face when they cause harm to another person's reputation or emotional well-being, rather than just their physical state.

While claims for damages due to physical injuries are generally covered under general liability or bodily injury liability, personal injury liability specifically focuses on non-physical aspects of harm. This distinction is crucial, as it highlights the broader spectrum of liability that can arise in various situations, maintaining the financial security of the insured against lawsuits arising from these non-physical claims.