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Why Your Businesses Need Personal & Advertising Injury

You can generally get personal and advertising injury as part of your general liability policy.  The coverage can also be part of an umbrella or excess liability policy, as long as you have advertising injury scheduled as an underlying coverage.  When your operations are primarily media or internet, you will not be able to get coverage for personal and advertising injury under a general liability policy. 

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Personal and Advertising Injury Coverage

Personal and advertising injury insurance is usually part of a commercial general liability policy.   In addition, the coverage can be located under a commercial umbrella policy or a commercial excess liability policy only when you have an underlying general liability policy, and when the underlying policy provides advertising injury coverage.    If you’re a business with primary operations in media or internet,

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