Los Angeles Claims Adjuster Property and Causality Practice Exam

What does CGL Coverage B focus on?

1. Bodily Injury and Property Damage

2. Personal and Advertising Injury Liability

3. Property Damage Liability

4. Liability for professional services

The correct answer is: Personal and Advertising Injury Liability

CGL Coverage B specifically addresses Personal and Advertising Injury Liability. This coverage provides protection against claims arising from a variety of non-physical injuries, such as slander, libel, copyright infringement, and false advertising. Unlike bodily injury and property damage, which are covered under Coverage A, Coverage B focuses on legal liabilities that result from how a business's advertising operations are conducted or how it affects individuals through personal injury claims. Understanding the specific nature of Coverage B is essential for claims adjusters, as it allows them to identify the types of incidents that would be eligible for coverage under this part of a Commercial General Liability policy. This ensures that businesses are protected from claims that may not cause physical harm or damage to property but can still result in significant financial liability due to reputational harm or violation of privacy rights.