General Liability Claims Scenario Part 3

October 20, 2018

Examples of Copyright Infringement & Advertising Injury Claims

The best way to understand how general liability insurance protects small business is to look at examples of this policy in action. You already know that general liability usually helps cover lawyer fees, court expenses, damages to properties belonging to third parties, and immediate medical costs for people injured on your property. You know that general liability covers lawsuits including claims about property damage, bodily injuries, reputation damages, and other common lawsuits. But what does that look like on a day-to day basis for various companies? Here are some examples of copyright infringement and advertising injury claims that may affect your small business.

Copyright Infringement & Advertising Injury Claims

Every business has the right to protect their copyrighted material and trademarks. Sometimes, mistakes happen and a company may find itself facing a claim of infringement after unintentionally using material they do not have the rights to.

  • An entrepreneur launches a website for her new city tour and activity business. She includes a lot of beautiful, high-quality images of the city the company is based in. Unfortunately, one of the images she used may have been protected under copyright. The photographer discovers the image in the website and sues the business for $5,000 in copyright infringement.
  • A clothing store decides to create an a video advertisement promoting their new line of clothes. The advertisement had music playing in the background that the clothing store did not own or create. The artist who owns the rights to that music hears the ad and makes a claim against the clothing store for copyright infringement and advertising injury.
  • A restaurant creates a marketing flyer advertising a new happy hour promotion. The flyer looks very similar to one used by one of their competitors. The competitor comes across the flyer and claims the hold a copyright for the unique content there. They sue the restaurant for benefiting from their copyrighted material.

Running a business is challenging enough without having to worry about lawsuits, copyright infringement claims, or advertising injury claims. General liability insurance can help cover the costs of various lawsuits including attorney’s fees, court costs and settlements in situations like the examples outlined above. We understand that every business is unique and may need different coverage to suit their needs. At Jessica Liu Insurance Services, we want to give you the peace of mind to focus on running your business. Let us help you find the perfect policy that fits your budget and covers your business’ specific needs. Just give us a call at 415-386-2283 or send us a message at [email protected] to review your current policy or receive a free quote on a new policy!

Want to see more examples of claims? Check out other general liability claims examples below!

Property Damage & Bodily Injury Claims | Product Liability & Reputation Damage Claims | Copyright Infringement & Advertising Injury