Which situation does the personal injury liability endorsement to an HO policy NOT apply to?

The personal injury liability endorsement to a homeowners (HO) policy specifically addresses certain non-physical injuries, including claims such as slander, false arrest, and invasion of privacy. These types of claims fall under the category of personal injury, which encompasses damage to a person’s reputation or emotional well-being rather than their physical well-being.

In the case of a third party breaking a leg when the insured knocks him down, this situation involves physical injury resulting from an act of negligence rather than a personal injury claim. Because personal injury liability is focused on non-physical damage, the endorsement does not apply to this scenario. Instead, physical injuries are typically handled under a general liability section of an insurance policy, which does not relate to personal injury claims in the same context as slander or invasion of privacy.