The correct answer is that personal injury endorsement offers coverage specifically for liability regarding personal injuries, which include issues like false imprisonment. This type of endorsement expands the coverage of a standard insurance policy to include claims for non-physical harm, which commonly encompasses actions like defamation, invasion of privacy, and yes, false imprisonment.
While general liability insurance and business liability insurance also provide coverage for a range of liability claims, they typically focus on bodily injury and property damage rather than personal injury claims. Additionally, homeowners insurance may offer some liability coverage, but it generally does not extend as comprehensively to the types of non-physical injury incidents addressed by a personal injury endorsement. Thus, opting for a personal injury endorsement is vital for ensuring that these specific liability situations are adequately covered.