What Is A Personal Injury Endorsement? 
Tom has given you a good answer and indirectly brought attention to one hidden values of insurance which is defense costs . Most personal insurance policies auto home and umbrella usually provide defense from others who bring suit against you . It of course has to relate to a coverage in the policy . So in the personal injury coverage it would need to relate to libel , slander and the like as Tom says . But typically you do not have to buy separate defense costs it is usually just part of the policy and a very important feature at that . In the real world personal injury is usually something you can avoid by keeping out of other peoples business . Remember that the best defense to libel or slander is that the what you said or have written about someone else is completely true . If it is strictly your opinion or something you could never prove true , save your self the aggravation and do n't say it or write it . 