Which of the following is considered a personal injury in liability insurance?

In liability insurance, personal injury primarily refers to non-physical harm that can result in legal claims against an individual or organization. Defamation of character is a prominent example of personal injury, as it involves damaging someone's reputation through false statements. This type of claim can lead to significant financial liabilities under a liability policy, as it directly affects the individual's social standing and emotional well-being.

Bodily harm, while a serious concern, falls under a different category related to physical injuries, which are typically covered under bodily injury liability. Property damage refers to the damage or destruction of someone's property, rather than personal injury to an individual. Emotional distress can be a component of personal injury claims, but it is often considered separately and may not always be classified under liability policies as explicitly as defamation. Therefore, defamation of character is the clearest representation of personal injury in liability insurance terminology.