Shuman Roy

Content Writer & Entrepreneur

Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

Content Writer & Entrepreneur

Joel Ohman

Founder, CFP®

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

Founder, CFP®

UPDATED: Jun 28, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

Personal and Advertising Injury coverage is part B of the Commercial General Liability (CGL) policy related to commercial insurance.

This coverage part of the CGL does not deal with bodily injury or property damage liability. Bodily injury is something relating to a person’s physical health in this case, whereas personal injury is more focused on the written or spoken deed against a person.

Those are covered in part A, which is titled “premises and operations” as well as “products and completed operations”.

Personal and advertising injury pertains to financial damages you cause to another person as a result of libel, slander, defaming their products or services, or violating their right to privacy.

Any of the aforementioned acts can be committed orally or via any media type, such as on television or in a newspaper.

Let’s look at examples of where each coverage parts would be in effect.

What is personal injury?

This doesn’t cover bodily injury of any sort, despite what some people might think upon seeing such a title. Rather, this is about invasion of a person’s privacy. Under the personal injury portion of your liability policy, you may find that you’d be covered if you accidentally encroach into someone’s personal life. This might include you publishing personal information about someone in a print journal.

Maybe you publish an article on a website stating that an individual has a disease, when they either do not, or they do and that information was personal.

That person retains the right to sue you for any “personal injury” that results, which may include loss of their job or the inability to get job. Hence the reason it’s called personal injury coverage.

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What is advertising injury?

Perhaps you own a small business property and pay for advertising space in a local newspaper.

You unknowingly use a national company’s slogan in your advertisement. Unfortunately even if you think that it was your idea and had no idea that such a slogan was already in use, it would still be considered a copyright infringement.

If a person in your town was a relative of someone at the large, national company, and told them their slogan was being used, the company would retain the right to take legal action and sue you for copyright infringement because they in fact have nothing to do with your piece of property.

The advertising injury portion of your CGL policy would pay for the costs associated with any judgment levied against you in court as a result of the infringement. A good thing to keep in mind if you or any other business attempts to use someone else’s trademarked property.

There are two additional coverage types that make up a complete general liability policy.

Part A, which includes premises and operations liability along with products and completed operations coverage, and part C, medical payments to others.