Which description best captures personal injury exposure in a community association context?

• A. Bodily injury resulting from a fall
• B. Injury arising from libel, slander, false arrest, invasion of privacy, or malicious prosecution
• C. Property damage to common areas
• D. Advertising injury alone

Answer: (B)

Personal injury exposure covers harms to a person’s legal rights or reputation that come from non‑physical actions. In a community association, this includes defamation (libel or slander), invasion of privacy, false arrest, or malicious legal actions. These are different from physical harm or property damage; they involve how someone’s rights or reputation are treated, not bodily harm or damage to the HOA’s property. For example, publishing a member’s false accusations in a newsletter could lead to a libel or invasion of privacy claim, which falls under personal injury coverage. While advertising injury is a type of personal injury, the broader description that lists libel, slander, false arrest, invasion of privacy, or malicious prosecution best captures the range of personal injury exposure in a HOA context.