Have you ever heard someone slander another individual?
Most likely you have. In a lot of cases where someone talks or writes about someone else in a negative or hurtful way, no legal action is taken. However, In the world of insurance, we see the legal consequences of this type of behavior.
Here is Traveler’s definition of “Personal Injury” in their HO-82 endorsement.
The following definition is added: “Personal injury” means injury arising out of one or more of the following offenses, but only if the offense was committed during the policy period:
1. False arrest, detention or imprisonment
2. Malicious prosecution
3. 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
4. Oral, written or electronic publication of material that slanders or libels a person or organization or disparages a person’s or organization’s goods, products or services
5. Oral, written or electronic publication of material that violates a person’s right of privacy.
Personal Injury liability coverage is an optional coverage on most homeowners insurance policies. Please feel free to contact me to discuss further and see if your policy includes this protection.
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