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Under the Insurance Services Organization's standardized Commercial General Liability coverage, personal injury and advertising injury are coverages that are triggered when an intentional action committed by the insured has an unintentional outcome resulting in injury to another party. The following offenses are covered under personal injury and advertising injury:

a. False arrest, detention, or imprisonment;

b. Malicious prosecution;

c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord, or lessor;

d. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products, or services;

e. Oral or written publication, in any manner, of material that violates a person's right of privacy;

f. The use of another's advertising idea in your "advertisement"; or

g. Infringing upon another's copyright, trade dress, or slogan in your "advertisement."

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Q: What is personal injury and advertising coverage on general liability policy?
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