Insurance contracts are personal contracts. Although, the subject of a property Insurance contract, for example, is a piece of property, the Insurance contract Insurers a person or persons, not the property.

A contract affording Insurance against loss to personal effects usually carried by travellers and located away from the domicile of the insured.

This can be a specified risk or open peril policy that covers the personal property carried by the insured while he or she is traveling.

The property of an individual covered by the policy in question. Normally refers to items such as clothing, furniture, and jewelry.

Distinguished from bodily injury, this term relates to injury inflicted by way of false arrest, invasion of privacy, malicious prosecution, and so on. It is written as Coverage B of the commercial general liability forms and as homeowners Coverage E.
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In law, a term used to embrace a broad range of torts that includes bodily injury, libel, slander, discrimination and similar offenses. Also, a standard insurance coverage that protect against a more limited group of torts (false arrest, detention or imprisonment, malicious prosecution, wrongful entry or eviction, and libel, slander, or defamation).
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UK: Intended by insurers to mean bodily injury embracing physical or psychiatric harm, disease or illness. A strict interpretation of personal injury includes intangibles such as injury to feelings resulting from defamation, personal data abuse and false arrest. Insurers may prefer to use the term ‘bodily injury’ in certain policies.

A non-bodily injury that arises due to one of the following causes: libel, slander, false arrest, wrongful eviction, or violation of right to privacy.