If a claim alleges libel or slander in an advertisement, which CGL coverage would respond?

• A. Coverage B
• B. Coverage A
• C. Coverage C
• D. Medical Payments

Answer: (A)

Libel or slander in an advertisement is a type of personal and advertising injury. In a Commercial General Liability policy, Coverage B is dedicated to personal and advertising injury, which includes defamation, such as libel and slander, that arises from the insured’s advertising activities.

This is why Coverage B responds: it specifically covers injuries caused by the advertising itself—things like false statements about another person or business, misrepresentation, or privacy violations tied to advertising. Coverage A handles bodily injury and property damage, which doesn’t apply to defamation, and Coverage C covers medical payments for physical injuries, not defamation.