What liability covers intangible injuries like emotional distress?

The coverage that addresses intangible injuries such as emotional distress falls under Personal and Advertising Injury Liability. This type of liability protects against claims arising from non-physical injuries that may result from actions like defamation, invasion of privacy, or intentional infliction of emotional distress.

Personal and Advertising Injury Liability is specifically designed to cover damages resulting from offenses committed in the course of conducting business, including harm to someone's reputation or emotional well-being.

Other types of liability coverage listed do not encompass these intangible aspects: Bodily Injury Liability typically covers physical injuries to a person but does not extend to emotional distress unless incidentally related to a physical injury. Property Damage Liability focuses on damage to tangible property, while Medical Payments Coverage provides for medical expenses incurred due to bodily injury, again not addressing emotional or intangible injury claims. Thus, the selection of Personal and Advertising Injury Liability is the most accurate response regarding coverage for emotional distress.