Under the Commercial General Liability policy, personal and advertising injury liability covers offenses that arise from which of the following?

Under the Commercial General Liability policy, personal and advertising injury liability covers offenses that arise from which of the following?

• A. Bodily injury
• B. Auto accident
• C. Offense arising out of the named insured's business
• D. Property damage

Answer: (C)

Personal and advertising injury liability protects against offenses that originate from the insured’s business activities and relate to the rights of others, especially in connection with advertising. This means claims like libel, slander, misrepresentation, or invasion of privacy that occur in the course of promoting the insured’s goods or services fall under this coverage. The key idea is that the offense must be tied to the insured’s business operations, not to physical harm or property damage. Therefore, an offense arising out of the named insured’s business is the type of claim covered here. Bodily injury and property damage are handled by other parts of the policy, and auto-related incidents typically fall outside this coverage unless a specific endorsement applies.

Personal and advertising injury liability protects against offenses that originate from the insured’s business activities and relate to the rights of others, especially in connection with advertising. This means claims like libel, slander, misrepresentation, or invasion of privacy that occur in the course of promoting the insured’s goods or services fall under this coverage. The key idea is that the offense must be tied to the insured’s business operations, not to physical harm or property damage. Therefore, an offense arising out of the named insured’s business is the type of claim covered here. Bodily injury and property damage are handled by other parts of the policy, and auto-related incidents typically fall outside this coverage unless a specific endorsement applies.