What does "personal injury" coverage typically protect against?

The correct answer is that "personal injury" coverage typically protects against claims of false imprisonment, defamation, or invasion of privacy. This type of coverage addresses non-physical injuries that can arise from various actions that may harm an individual's reputation or personal rights.

For example, defamation refers to making false statements that harm a person's reputation, while invasion of privacy may involve unauthorized intrusion into an individual's private life. False imprisonment involves unlawfully restricting someone’s freedom of movement. Personal injury coverage is designed to provide financial protection against lawsuits or claims that arise from these types of incidents, which can lead to significant legal costs and liabilities.

This coverage is distinct from categories related to physical damage or errors in professional conduct, which are more specific to property damage or professional liability insurance.