Personal Injury Coverage

Personal injury coverage under a Commercial General Liability policy addresses liability for offenses that cause harm without physical contact. These offenses include false arrest or detention, malicious prosecution, wrongful eviction or entry, slander, libel, and violation of privacy rights. In modern CGL forms, personal injury is grouped with advertising injury under Coverage B, sharing a single coverage grant and limit. The personal and advertising injury limit typically equals the each-occurrence limit on the policy. In COI compliance for real estate, personal injury coverage is particularly relevant for security companies, property management firms, and any vendor whose operations involve access to private spaces or personal information. Certificate holders should verify that Coverage B is active and not excluded by endorsement. Compliance platforms should flag any CGL policy where personal and advertising injury coverage has been restricted or removed, as this creates significant liability gaps.