Any personal or advertising offences committed by you or your employees during the course of your business may fall under the category of personal liability coverage. Libel, slander, disparagement, or copyright infringement fall into this category.

The following are examples of acts protected by personal LI:

Breach of Privacy and Intellectual Property

When dealing with clients, professionals often handle sensitive information, trade secrets, or private data. This can happen electronically or physically. An email sent to the wrong party can release sensitive information to the public, constituting a breach of privacy and grounds for a lawsuit. Alternately, an engineer or developer may physically lose a piece proprietary technology such as a new cell phone or computer, which if found by competitors can result in significant damages to the business.

Libel or Slander

Many professionals engage in practises that require critique of other businesses or services. The rise in popularity of blogging has created a surfeit of self-employed journalists whose influence rivals many established newspapers. Having a global audience, however, also comes with the responsibility not to libel or slander, and the subjectivity of those words can be a slippery slope for those in the business of being critical.

Advertising Injury

Misrepresentation or failing to inform a client of the inherent dangers of a product can be construed as a form of negligence. Businesses are tasked with informing potential customers of any risks involved with their product and failure to do so can result in a lawsuit.