What type of harm does personal injury liability cover?

Personal injury liability coverage encompasses a broad range of non-physical harms that an individual might cause to another person. This includes claims related to emotional distress, defamation, and reputational harm. Such liabilities arise when someone’s actions result in psychological suffering or negatively impact another's reputation or quality of life, but do not involve physical injuries.

This type of liability emphasizes the importance of protecting individuals against the consequences of their actions that may harm others beyond just physical injuries, highlighting the legal responsibility to safeguard not only physical well-being but also mental and emotional health. Other forms of harm, listed in the options, relate to different areas of liability and do not fall under the specific umbrella of personal injury liability.