In the CGL, which coverage handles personal and advertising injury?

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

Answer: (A)

In a Commercial General Liability policy, personal and advertising injury is protected under the coverage specifically designated for that purpose. This coverage addresses non-physical harms that arise from the insured’s advertising or interactions with others, such as defamation (false statements that harm someone's reputation), privacy violations, misrepresentation or false advertising, and copyright or privacy rights infringements in the course of advertising. These are distinct from bodily injury or property damage, which fall under the coverage for those physical harms, and from medical payments, which cover medical expenses for third parties regardless of fault. So when a claim concerns harms like libel, slander, or an ad that misleads the public, it’s covered under the personal and advertising injury provision.