Endorsements

Personal injury coverage wording and examples

Personal injury coverage endorsements add coverage for listed personal injury offenses, often in dwelling, landlord, premises, or liability forms. Personal injury coverage can address liability for specified offenses such as wrongful eviction or defamation.

Coverage classification

Form type
Endorsements

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Personal injury coverage forms compared by Intent, Covered offenses, Limits and conditions
FormIntentCovered offensesLimits and conditions

Acuity, A Mutual Insurance Company

Personal Injury Coverage (Aggregate Limit of Liability)

HO 24 10R 03 22

Homeowners

Adds coverage for claims arising from specified personal injury offenses.Lists false arrest, malicious prosecution, wrongful eviction, defamation and privacy violations committed during the policy period.Uses a personal injury aggregate limit and includes exclusions such as knowingly false publication.

Obsidian Insurance Company

Premises Liability Landlord Personal Injury Coverage

OIC-MH-CW-C-0030 (0626)

Landlord Premises Liability

Adds personal injury coverage for qualifying offenses involving tenants or residents of insured premises.Addresses wrongful eviction, associated false arrest, defamation, privacy violations and wrongful occupancy invasion.The limit applies per offense and the form separately addresses qualifying loss assessments.

Notable clauses

“False arrest, detention or imprisonment”

Acuity, A Mutual Insurance Company · Personal Injury Coverage (Aggregate Limit of Liability) · HO 24 10R 03 22

Covered offenses. The homeowners form lists this among the offenses in its personal injury definition.

“injury to a tenant or resident of the insured premises”

Obsidian Insurance Company · Premises Liability Landlord Personal Injury Coverage · OIC-MH-CW-C-0030 (0626)

Tenant or resident. The landlord form limits its personal injury definition to injury to a tenant or resident of the insured premises.

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