Which of the following is NOT a part of personal liability coverage?

Personal liability coverage is designed to protect an individual from legal liabilities stemming from personal activities. It typically covers claims for property damage and bodily injury incurred by the policyholder, as well as potential legal defense costs in lawsuits related to these claims.

When considering the options provided, business-related incidents fall outside the scope of personal liability coverage. This type of insurance is focused specifically on personal activities rather than commercial or professional actions. Therefore, incidents arising from conducting business—such as accidents or injuries that occur while engaging in business operations—would typically be covered under a different form of insurance, like commercial general liability.

On the other hand, property damage claims, injury claims against the policyholder, and claims for defense costs in lawsuits are all integral components of personal liability coverage, aimed at providing financial protection and legal support in the event that the policyholder is held liable for an incident affecting another person or their property.