Which endorsement covers loss due to personal injury such as defamation of character?

The endorsement that covers loss due to personal injury, including situations such as defamation of character, is the personal injury endorsement. This type of endorsement is specifically designed to address risks associated with non-physical injuries that can impact an individual's reputation, privacy, and emotional well-being.

Personal injury encompasses offenses like false arrest, malicious prosecution, wrongful eviction, and, importantly, defamation of character, which can lead to significant financial and reputational damage for individuals and businesses. By including this endorsement in a policy, insured parties gain protection from claims associated with these types of injuries, allowing them to mitigate potential legal costs and damages resulting from such accusations.

The other options do not focus on this type of non-physical injury. The medical payments endorsement is aimed at covering medical expenses incurred due to an accident regardless of fault, while the liability coverage extension typically involves broader liability protections but does not specifically address personal injury. Property damage endorsements focus on protecting against physical damage to someone's property, not reputational or personal injury claims. Thus, the personal injury endorsement is the most appropriate choice for covering losses related to defamation of character.