Opinion ID: 1963952
Heading Depth: 1
Heading Rank: 5

Heading: cincinnati policy

Text: Mortgage Express also held a commercial general liability coverage policy with Cincinnati. The Cincinnati policy became effective on July 15, 2001, through July 15, 2004. Pursuant to SECTION I, COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABILITY, of the Cincinnati policy, Cincinnati agreed to pay those sums that the insured becomes legally obligated to pay as damages because of `personal injury' or `advertising injury' to which the insurance applies. Under Section VDefinitions, the policy states: Personal injury means injury, other than bodily injury, arising out of one or more of the following offenses: . . . . c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies by or on behalf of its owner, landlord or lessor; d. Oral or written publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; or Oral or written publication of material that violates a person's right of privacy. Mortgage Express argues that Cincinnati's policy definition of personal injury, specifically subsection d., includes litigation that amounts to slander of an organization's goods, products, or services. And because the claim against Mortgage Express is premised on slander of title, the claim is covered under the Cincinnati policy. Alternatively, Mortgage Express argues that the Cincinnati policy's definition of personal injury includes damages stemming from the invasion of the right to private occupancy of premises, and Mortgage Express argues that its lien is exactly thata claim of interest in the campground that through foreclosure would dispossess the owner from the property.