Which of the following injuries does coverage CGL B specifically address?

• A. Bodily injury liability
• B. Personal and advertising injury liability
• C. Professional errors and omissions
• D. Property damage liability

Answer: (B)

The correct answer is personal and advertising injury liability because Coverage B of the Commercial General Liability (CGL) policy specifically provides protection against claims for personal injury and advertising injury. This type of coverage includes various offenses such as libel, slander, false arrest, and other wrongful acts that may result in harm to a person’s reputation or privacy, as well as damages resulting from the offenses committed in connection with advertising activities.

Understanding the nuances of what Coverage B covers is essential, as it distinctly addresses non-physical injuries, contrasting with other sections of the policy. While bodily injury and property damage are handled under separate coverages, Coverage B is focused on personal and advertising injury issues that can arise in business operations.