In liability policies, what does "personal injury" coverage protect against?

Personal injury coverage in liability policies specifically addresses claims arising from non-physical harm. This includes issues like defamation, which involves damaging someone's reputation through false statements, invasion of privacy, which may occur if someone's personal space or affairs are intruded upon, and similar offenses that do not result in tangible injury but still cause significant harm to a person's dignity or well-being.

This coverage is crucial as it protects individuals and businesses from legal actions that can arise from these types of situations, which can often be just as damaging as physical injuries. While physical harm and property damage are also important aspects of liability coverage, they fall under different categories within a policy. Personal injury coverage focuses solely on the non-tangible offenses that can lead to liability claims, making it a vital component of comprehensive liability insurance.