The personal injury liability coverage in commercial general liability would respond to which tort?

The personal injury liability coverage in a commercial general liability policy typically responds to specific types of torts or wrongful acts that can cause injury to a person's reputation, personal rights, or emotional well-being. This coverage is distinct from bodily injury or property damage liability.

Negligence is a broad category that refers to the failure to act with the level of care that a reasonable person would exercise, resulting in harm to another party. While it is an essential tort covered under general liability, personal injury coverage includes specific acts like false arrest, libel or slander, and wrongful eviction that can also fall under the umbrella of personal injury liability.

Particularly for this question, libel or slander, false arrest, and wrongful entry or eviction are examples of acts that could specifically trigger personal injury liability coverage. Therefore, while negligence is crucial in these contexts, the correct understanding is that personal injury liability coverage in commercial general liability insurance is designed to address issues directly related to reputational harm and certain personal rights infringements such as defamation, false imprisonment, and invasion of privacy, rather than general negligence, which is usually covered under different liability provisions.