The Advertising Injury Form covers which types of perils?

• A. Libel, slander, defamation, violation of privacy, infringement of copyrights or titles
• B. Bodily injury and property damage
• C. Medical payments
• D. Fire and theft

Answer: (A)

Advertising Injury coverage kicks in for harms that come from the content of the insured’s advertising. The best answer lists the classic advertising-related injuries: libel and slander (false statements about someone made in ads that damage their reputation), defamation (a broader harm to reputation from advertising), violation of privacy (in ads, using someone’s private information or likeness without permission), and infringement of copyrights or titles (using someone else’s protected material or titles in advertising without authorization). These are precisely the kinds of non-physical harms that can arise from promotional materials.

Bodily injury and property damage involve physical harms, which are covered under different parts of a general liability policy rather than Advertising Injury. Medical payments cover expenses for injuries regardless of fault, and fire and theft relate to property risks outside the scope of advertising liability.