“Personal and advertising injury coverage” is “offense”-based, not “occurrence”-based, coverage. This means that coverage for “personal injury” liability hinges on whether the plaintiff asserts a claim for the commission of
The Invasion of the Right of Private Occupancy As a Covered Offense
As explained by several courts, "[p]ersonal injury liability is a theory-based coverage. It defines its coverage in terms of offenses, or theories of liability, not in terms of the injury sustained by the plaintiff."
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