What about you, have you had problems with personal slander or copyrighting an idea?

Most businesses advertise their products in order to make the sales they need for continuation.  But when advertising and when copyrighting a product, one must be careful to insure against another business intruding on your territory.  This could be considered an advertising injury which will be discussed below.

There is also the problem of libel and slander against a person which is called personal injury. There exists in the insurance business an Insuring Agreement where a policy provides protection for liability arising out of offenses such as libel and slander which is a personal injury.  A personal injury as distinguished from bodily injury includes false arrest, detention, imprisonment, malicious prosecution, wrongful entry, eviction, or invasion of privacy.

Advertising injury includes using advertising ideas in the wrong way or a style of business, infringement of another’s copyright, title, or slogan in the insured’s advertisement;  violation of privacy, as well as libel or slander.  The coverage of personal and advertising injury does not include the wrongful pricing of goods, or services;  insureds in the media, or as an internet search, access, content, or service provider;  and loss arising out of an electronic chatroom or bulletin boards the insured hosts or owns.

So to protect yourself, especially if you are a Professional, make sure you have a Personal and Advertising Injury policy set up an in insuring agreement.  This would be considered a Commercial General Liability coverage.

Contact us at Denvers Insurance (303) 219-4985 for more information and to ask any questions you may have.  We enjoy helping you.

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