Advertising injury is when someone claims that you harmed their reputation or infringed on their intellectual property. If your advertising is accused of hurting a person or company, general liability insurance can help cover your legal expenses such as attorney fees and court-imposed settlements or judgments to settle the case.
Advertising injury, along with personal injury, is a type of non-medical injury coverage protected by a general liability policy.
Example of advertising injury include:
Given these risks, it makes sense to follow advertising best practices. Always verify the truth of your claims when communicating in public. If you’re not sure your advertising is legal, ask your attorney to review it.
A general liability policy that covers lawsuits related to advertising can help protect against the loss of advertising injury. The insurance industry often combines advertising-related and non-medical claims into coverage called personal and advertising injury.
Your advertising injury coverage does not protect against all potential losses. For example, it won’t cover litigation resulting from:
Say you inadvertently divulge someone’s sensitive personal information online which causes the person great distress and sparks depression. Your general liability insurance might pay for the medical bills the person incurs to return to good health.
Normally, personal and advertising injury protection covers only non-medical personal injuries. However, if someone develops a medical problem after your advertising harms them, your insurance might cover medical bills.
Advertising is essential for business growth, and it’s crucial to advertise so that you don’t cause harm. In the rare case that you do, a NEXT general liability policy can help pay for covered legal expenses.
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