What does the term "personal injury" refer to in a general liability policy?

The term "personal injury" in a general liability policy specifically refers to claims arising from defamation, invasion of privacy, wrongful eviction, and other similar offenses that can harm an individual's reputation or personal rights. This concept is distinct from bodily injury, which pertains to physical harm to an individual.

In the context of general liability insurance, personal injury coverage is designed to protect businesses from lawsuits that emerge due to these offenses. For example, if a company is sued for slander or libel, the general liability policy could cover the resulting legal costs and any damages awarded. By encompassing these types of claims, personal injury coverage provides a broader scope of protection for businesses against non-physical harm that can still significantly affect individuals.

Other options refer to different aspects of insurance and liability coverage, such as bodily injuries, medical expenses, or legal fees, which do not capture the nuanced definition of personal injury in the context of general liability policies.