Which of the following is considered personal injury under Personal Umbrella/Excess Policies?

Personal injury under Personal Umbrella or Excess Policies typically includes claims that involve emotional distress or harm to a person’s reputation, rather than physical damage to property. Malicious prosecution is included in this category because it refers to a legal claim against someone for initiating a lawsuit without probable cause, which can lead to reputational damage and emotional distress for the individual wrongly pursued. This type of injury falls squarely under the definition of personal injury, which these policies are designed to cover. The other options primarily relate to property damage or workplace incidents, which do not fit the definition of personal injury as outlined in these insurance policies.