Personal injury insurance protects against losses that arise as a result of causing personal injury to another person. These injuries can include bodily injury as well as non-bodily personal injuries, such as defamation of character or libel.
Personal injury insurance is typically included in standard commercial general liability policies; however, it can also be purchased separately.
Personal injuries can be a major financial threat to businesses, especially those whose customers frequently visit the business's premises. This is such a common threat, in fact, that there is an entire class of attorneys (personal injury attorneys) specialized in suing for damages related to personal injuries. Personal injury insurance, then, is required for many companies to protect against major losses.
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