Personal and Advertising Injury Limit
The maximum amount a commercial general liability policy will pay for claims arising from offenses such as libel, slander, defamation, copyright infringement, wrongful eviction, or invasion of privacy.
Personal and advertising injury coverage within a CGL policy addresses non-physical harm claims including defamation, malicious prosecution, wrongful eviction, and advertising-related offenses like copyright infringement in advertisements. The limit is typically equal to the per-occurrence limit and is included within the general aggregate.
In COI compliance, the personal and advertising injury limit appears on ACORD 25 certificates as a standard CGL coverage component. While not always specified in contractual insurance requirements, this coverage provides important protection for certificate holders against non-bodily-injury, non-property-damage liability claims.
Compliance teams should be aware that some CGL policies exclude or restrict personal and advertising injury coverage through endorsements. When reviewing certificates, confirming that this coverage is present and not excluded—particularly for vendors involved in marketing, media, or tenant-facing operations—adds value to the compliance review process.
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