Opinion ID: 535631
Heading Depth: 1
Heading Rank: 4

Heading: personal injury and advertising injury liability coverage

Text: 35 (A) The company will pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of personal injury or advertising injury to which this insurance applies, sustained by any person or organization and arising out of the conduct of the named insured's business, within the policy territory, and the company shall have the right and duty to defend any suit against the insured seeking damages on account of such injury, even if any of the allegations of the suit are groundless, false or fraudulent, ... 36 (B) This insurance does not apply: 37 . . . . . 38 (4) to personal injury or advertising injury arising out of libel or slander or the publication or utterance or defamatory or disparaging material concerning any person ... made by or at the direction of the insured with knowledge of the falsity thereof; 39 . . . . . 40 (D) Personal Injury means injury arising out of one or more of the following offenses committed during the policy period: 41 . . . . . 3. a publication or utterance 42 (a) of a libel or slander or other defamatory or disparaging material, or 43 (b) in violation of an individual's right of privacy; 44 . . . . .