Would malicious prosecution be considered a personal injury covered under the personal injury endorsement?

Malicious prosecution is recognized as a personal injury under the personal injury endorsement in many insurance policies. This endorsement typically extends coverage to a range of offenses that can harm another person's reputation or well-being, including defamation, slander, and, indeed, malicious prosecution.

Malicious prosecution occurs when one party initiates a legal proceeding against another without probable cause and with malicious intent, resulting in damages to the accused party. Since this type of injury affects an individual's rights and can lead to significant personal and financial repercussions, insurance policies that include personal injury coverage often extend to address claims of this nature.

This is particularly important because the intent and circumstances surrounding malicious prosecution can lead to complex legal disputes, making it critical for individuals and entities to have the appropriate insurance coverage in place to protect themselves against such claims. It is essential to verify policy specifics, as coverage details can vary among insurance providers, but generally, malicious prosecution does fall under the protections offered in personal injury endorsements.