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Personal Injury


 

Personal Injury coverage under a directors and officers policy is kind of a throwback to the time when the regular general liability coverage did not provide this coverage. Since this coverage is now provided by the standardized general liability contract, it may appear redundant to have personal injury under the directors and officers contract. HOWEVER, You have to remember that the general liability policy may exclude coverage for these Wrongful Acts based upon your non-profit operations.  

Personal Injury is a set of Wrongful Acts that include:

  • False Arrest
  • Wrongful detention or Imprisonment

  • Malicious Prosecution

  • Defamation

  • Invasion of Privacy

  • Wrongful Entry or Eviction

Publishers Liability is made part of this personal injury coverage on the directors and officers policy. Publishers Liability is generally not included under the regular liability coverage,

Publishers Liability includes the following:

  • Unauthorized use of Title
  • Plagiarism or Misappropriation of Ideas.
  • Infringement of Copyright or Trademark

  

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