Personal Injury Liability to third parties: which includes both bodily harm and nonphysical, noneconomic harm. Injuries that are neither physical nor economic may include libel or slander, false arrest, discrimination, and invasion of privacy. These either cause psychological harm or are presumed to be damaging (as with defamation of character). The insurance covering this liability is automatically included in the Insurance Services Office's commercial general liability policy.

In the broadest sense, any harm to a person, whether physical or mental or an infringement of rights. However, insurers often distinguish between, and provide different coverages for, bodily injuries and personal injuries. The latter comprise infringements of rights, such as defamation (libel or slander), false arrest, invasion of privacy, etc.

Personal Injury Liability is an "Occurrence" Insurance agreement and provides the Insured coverage for claims against the Insured because of bodily injury, property damage, and/or personal injury caused by an occurrence and arising out of the ownership, maintenance or use as a medical office or clinic of the insured premises and all operations necessary or incidental thereto.

Bodily Injury: physical or mental injury, sickness or disease caused by such injury, sickness or disease.

Occurrence: an accident, including injurious exposure to conditions, which results, during the policy period, in bodily injury, property damage or personal injury neither expected nor intended from the standpoint of the insured.

Personal Injury: any one or more of the following offenses if directly incident to professional services: False arrest, detention or imprisonment; Malicious prosecution; Wrongful entry or eviction or other invasion of the right of private occupancy; Libel or slander.

Property Damage: injury to or destruction of tangible property, including loss of use of that property.

'Liability' is a term used for the responsibility to provide financial compensation for a breech of duty, an act of negligence, or a deliberate action that result in damage or injury. In personal injury cases, the organization, company, or individual whose negligence or recklessness causes the injury to occur is usually liable to pay damages. The purpose of damages is to restore the victim to the state that existed prior to the injury, or if this isn't possible, to provide due compensation. Liability generally includes actual expenses, pain and suffering, and sometimes a punitive sum, awarded as a punishment to the perpetrator or as a warning to future offenders. In most personal injury liability cases involving an insurance company, the proposed amount of damages is based on actual expenses and includes compensation for pain and suffering. The question of liability and the amount of damages to be paid are generally decided by a court, although many personal injury cases are settled out of court in negotiations between the parties.