Los Angeles Claims Adjuster Property and Causality Practice Exam

Which coverage part of a CGL policy is aimed at protecting against personal and advertising injury?

1. CGL Coverage A

2. CGL Coverage B

3. CGL Coverage C

4. General Liability Specific Exclusions

The correct answer is: CGL Coverage B

CGL Coverage B is specifically designed to protect against personal and advertising injury. This type of coverage addresses claims related to non-physical injuries, such as defamation, invasion of privacy, and false advertising. These types of claims can significantly impact a business's reputation and financial standing, making this coverage critical for ensuring that companies are protected in such scenarios. Coverage A, on the other hand, focuses on bodily injury and property damage, which are physical and tangible losses rather than the broader scope of personal or advertising injury. Coverage C relates to medical payments, providing immediate medical expenses for injuries sustained on a business's premises without regard to fault, also not directly related to personal or advertising injury claims. The general liability specific exclusions further detail risks that are not covered by the policy but do not provide any protective coverage related to personal or advertising injuries. Therefore, Coverage B is the essential component of a CGL policy for addressing personal and advertising injury claims.