Companies can buy private and advertising injury insurance regardless of whether they trade publicly. Commercial real estate (CRE) owners must purchase business owner’s insurance (BOP) or general commercial liability (CGL) coverage to protect themselves from financial loss and danger. The changes covered by this crucial insurance are present throughout every CRE organization.

This comprehensive coverage is sometimes called “Coverage B” This coverage assists landlords and proprietors of retail stores from expensive, sometimes false claims. The BOP can cover allegations involving slander or libel, unlawful imprisonment, false arrest, criminal prosecution, and invasion of privacy infringing on the advertising ideas of someone else or infringing on an individual’s copyright, slogan, or trademark. The following article clarifies the “personal” and “advertising” injuries.

How Do Insurers Design Personal and Advertising Injury Liability Insurance?

Ensuring that your insurance policy provides insurance for personal injury and advertising in today’s litigious world is essential. Your CGL policy, the Part B section of your insurance, will provide this. If you have a BOP, you’ll find the definition within the policy’s intentions, located in Section II, titled Liability section A. It is a warning. Many insurers do not automatically include personal and advertising-related injury coverage. Your insurance provider may deny the coverage through an endorsement, or it may provide an original form that doesn’t have the crucial protection.

Retail Stores Need Insurance Coverage for Advertising and Personal Injury

Customers who refuse to pay or suspect that they stole something from a store, the owners and managers of retail establishments, frequently face difficult choices. Suppose employees at your retail store ask people to sit in line for police or to take out their pockets to look through their backpacks or purses. In that case, the company can sue in a personal injury lawsuit.

Malicious criminal prosecutions can happen if an organization or person starts criminal proceedings against another without a valid reason for doing this. In addition, if you pursue somebody for theft, but the jury or judge finds the accused not guilty and you are acquitted, you may be able to file an action. It could include accusations of detention, false arrest or imprisonment, or a fraudulent prosecution claim. Malicious prosecution can happen when a group or person files a criminal charge against someone without good reason.

Coverage Exclusions for Personal and Advertising Injury Liability Insurance

Although this comprehensive coverage provides excellent protection, some crucial exclusions could apply to your policy. Here are some limitations that your insurance provider could mention when defending claims involving coverage B.

  • Suppose an investigation or criminal case later finds a way to forgive the person in question. In that case, you may confront a liability issue. You are constantly infringing on the rights of another. For instance, security guards protect your shop and ask the lice to detain a customer for shoplifting.
  • The police accuse your employee of battery and assault. In a similar circumstance, the security guard is engaged in a brawl with an unruly patron.

Additional personal liability and advertisement exclusions are also in place. This article outlines the exclusions.

For more information on the policies that would be the best fit for your company, contact us at Commercial Insurance Ottawa. Call us at (613) 454-5640 or email us at for a commercial or business insurance quote.