Personal injury is covered under which type of policy?

Personal injury is covered under which type of policy?

• A. General Liability Policy
• B. Umbrella Policy
• C. Homeowners Insurance
• D. Special Liability Policy

Answer: (B)

Personal injury coverage is typically included in a general liability policy. This type of policy is designed to protect individuals and businesses from claims of bodily injury, property damage, and personal injury such as defamation, invasion of privacy, and emotional distress. Umbrella policies provide additional coverage beyond the limits of other primary insurance policies, such as general liability and homeowners insurance, but they do not specifically cover personal injury on their own unless the underlying policy includes that type of coverage. Homeowners insurance can cover personal injury claims when they occur on the insured property, but it is more focused on property protection and liability arising from incidents that occur in or around the home. The special liability policy does exist but is not a standard term widely used in this context and typically refers to specific types of liability coverage that are not broadly applicable. In summary, while an umbrella policy may extend coverage in certain situations, personal injury coverage is primarily associated with general liability policies.

Personal injury coverage is typically included in a general liability policy. This type of policy is designed to protect individuals and businesses from claims of bodily injury, property damage, and personal injury such as defamation, invasion of privacy, and emotional distress.

Umbrella policies provide additional coverage beyond the limits of other primary insurance policies, such as general liability and homeowners insurance, but they do not specifically cover personal injury on their own unless the underlying policy includes that type of coverage.

Homeowners insurance can cover personal injury claims when they occur on the insured property, but it is more focused on property protection and liability arising from incidents that occur in or around the home.

The special liability policy does exist but is not a standard term widely used in this context and typically refers to specific types of liability coverage that are not broadly applicable.

In summary, while an umbrella policy may extend coverage in certain situations, personal injury coverage is primarily associated with general liability policies.