Your liability insurer will pay damages that you are legally obligated to pay as a result of bodily injury, property damage, or personal and advertising injury up to the policy limits and subject to your deductible. Punitive damages are generally not covered, although there may be some exceptions.

Bodily injury means injury, sickness, disease, or death; it may include injuries that are emotional or mental, such as post traumatic stress syndrome or humiliation.

Personal and advertising injury includes libel, slander, or any defamatory or disparaging material or a publication or utterance in violation of an individual's right of privacy; infringing the privacy or copyright rights of another in your advertisement; wrongful entry or eviction or other invasion of the right of private occupancy; and false arrest or wrongful detention.