Our insured hired a billing service to bill the claimant. The claimant filed a lawsuit because he is alleging that our insured breached a Florida statute that notes that if a person is represented by an attorney, the service cannot contact the person. The lawsuit states that the claimant sent our insured a letter informing it that the claimant did indeed retain an attorney, but the insured denies ever receiving such a letter.

We are wondering if the actions of our insured in contacting the claimant qualify as an invasion of privacy and the claim then be covered under the personal and advertising injury section of the CGL form. What is your opinion?

Florida Subscriber