Los Angeles Claims Adjuster Property and Causality Practice Exam

Which of the following is excluded under CGL Coverage B?

1. Knowing violation of rights of another

2. Accidental injuries

3. Damages from slips and falls

4. Medical payments

The correct answer is: Knowing violation of rights of another

CGL Coverage B, which pertains to personal and advertising injury, specifically excludes "knowing violation of rights of another." This exclusion is in place to prevent coverage for claims arising from intentional wrongdoing or actions that the insured was consciously aware would violate someone else's rights. For instance, if a business knowingly infringes on a competitor's trademark or privacy rights, any legal claims arising from that action would not be covered under CGL Coverage B. This exclusion serves to maintain the integrity of insurance coverage by not rewarding or indemnifying intentional acts that are against the law or breach of rights. The other options refer to injuries or claims that would generally fall under coverage rather than exclusions. Accidental injuries and damages from slips and falls can often be covered under different sections of a general liability policy. Medical payments, while having certain limitations and specific conditions, are typically provided for under a different aspect of the CGL policy as well.