Personal and Advertising Injury
Personal and Advertising Injury is a category of coverage within general liability policies that protects against non-physical injuries like libel, slander, copyright infringement, invasion of privacy, and misappropriation of advertising ideas.
What You Need to Know
This covers "offense" injuries rather than physical injuries — lawsuits claiming you stole a competitor's advertising concept, invaded someone's privacy, or damaged reputations through false statements.
Why It Matters for Restaurant Owners
In today's digital marketing environment, personal and advertising injury claims are increasingly common. Using images without permission, making false statements about competitors, copying another restaurant's marketing concepts, or posting content that invades customer privacy can all trigger lawsuits.
Standard Coverage: Your CGL policy includes this coverage, typically with the same $1M per-occurrence limit, providing essential protection for modern restaurant marketing activities.
Get restaurant insurance built around how you actually operate.
Tell us your concept, your coverage questions, and your state — and we'll put together the coverage that actually applies.
Get Your Free Quote