Dave Bell

Advertising injury coverage helps protect policyholders from claims involving stolen ideas, privacy invasion, libel, slander, and copyright infringement tied to advertising activities.
It is usually part of commercial general liability insurance and functions as personal injury protection, not coverage for physical harm claims against businesses.
Coverage can help defend businesses against alleged advertising offenses involving goods, products, or services, as long as the claim is not excluded.
Intentional acts and knowingly false advertising are generally excluded, so a policy may not respond when a business creates the violation itself.
Businesses concerned about false advertising claims should review exclusions with an insurance agent and consider separate coverage, though that protection can be difficult.

Global Advertising Injury Coverage Basics

Higher premiums and complicated plans are pushing some Americans to question coverage value, creating a moment for clearer, more useful insurance design.
The key risk is delayed care: skipped checkups, missed preventive visits, ignored symptoms, and medication rationing can turn manageable conditions into emergencies.
Coverage frustrations include narrower networks, prior authorization, long waits, confusing benefits, and medication hurdles that demand extra time from patients and physicians.
An emergency physician warns that more uninsured patients could overburden ERs, shifting care toward costly, late-stage treatment instead of timely preventive care.
Insurers can reinforce value by simplifying coverage, improving treatment access, clarifying in-network services, and reducing administrative burden around basic care for patients and physicians.