Final answer:
Dr. Brandon's personal liability policy will protect him against malpractice claims, as it covers professional negligence or failure to perform one's duties correctly. Other claims such as breach of contract, property damage, and libel are typically covered under other insurance policies.
Step-by-step explanation:
Dr. Brandon's personal liability policy will protect him against malpractice claims. A personal liability policy is designed to cover individuals against claims of negligence or wrongdoing in the performance of their professional duties. This typically includes malpractice, which is professional negligence or failure to perform one's duties to the standard required of a profession.
The reference to constitutional guarantees implies a standard related to defamatory falsehoods, particularly in public service. The public official's need to prove 'actual malice' for defamation is not directly related to Dr. Brandon's personal liability coverage for malpractice.