{"id":4027,"date":"2021-04-24T18:32:25","date_gmt":"2021-04-24T09:32:25","guid":{"rendered":"http:\/\/new.anyinsu.com\/?page_id=4027"},"modified":"2021-04-24T18:47:33","modified_gmt":"2021-04-24T09:47:33","slug":"%ea%b8%b0%ed%83%80%ed%8a%b9%ec%a2%85%eb%b3%b4%ed%97%98-personal-advertising-liability","status":"publish","type":"page","link":"https:\/\/www.anyinsu.com\/?page_id=4027","title":{"rendered":"\uae30\ud0c0\ud2b9\uc885\ubcf4\ud5d8 – Personal Advertising Liability"},"content":{"rendered":"
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\uae30\ud0c0\ud2b9\uc885\ubcf4\ud5d8 : Personal Advertising Liability<\/h2>

\uae30\ud0c0\ud2b9\uc885\ubcf4\ud5d8 : Personal Advertising Liability \uc548\ub0b4\uc785\ub2c8\ub2e4.<\/p>\n<\/div>

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What is an Advertising Injury?<\/h3>\n<\/div><\/section>
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An advertising injury is an injury to a third-party brought about by the business’ advertising its goods and services. This can occur by copyright or trademark infringement. It can also occur as a claim of libel, slander, or invasion of privacy. Typically, a competitor of your business complains that an act, advertisement, practice, or comment you or your staff has made has damaged their business. For example, in comparing products, your advertisement uses a photo of your competitor’s product and makes a false claim about the competitor’s product. The competitor sues your business for a variety of claims: defamation, trademark infringement, etc. Your commercial policy would provide a defense and indemnity for this kind of claim.<\/p>\n<\/div><\/section><\/p><\/div>

What Claims are Covered?<\/h3>\n<\/div><\/section>
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Your business is provided advertising injury coverage through your commercial general liability policy for claims such as:<\/p>\n

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  • Libel<\/li>\n
  • Slander<\/li>\n
  • Invasion of Privacy<\/li>\n
  • Copyright Infringement<\/li>\n
  • Trademark or Trade Dress Claims<\/li>\n
  • Certain State Law Claims<\/li>\n
  • Certain Misappropriation Claims<\/li>\n
  • Unfair Competition Claims (older policies)<\/li>\n<\/ul>\n

    The typical commercial general liability defines advertising as:<\/p>\n

    A notice that is broadcast or published to the general public or specific market segment about your goods, products or services for the purpose of attracting customers or supporters.<\/p>\n

    The coverage provides your business a defense and indemnification for damages as long as the claim relates to a business advertising reason and is not an intentional non-advertising claim. However, the definition of “advertising” has been interpreted differently from state to state. Some courts require the activity to be wide ranging communication to a broad audience while other courts define the simple act of business promotion to be advertising without regard to the size of the audience.<\/p>\n<\/div><\/section><\/p><\/div><\/div><\/div><\/div><\/div><\/div>