Coverage B Personal and Advertising Injury covers which of the following?

• A. Damage to the insured's own premises.
• B. Bodily injuries arising from use of products.
• C. Medical expenses for third-party injuries.
• D. Offenses such as false advertising, misrepresentation, invasion of privacy, or rights of publicity or privacy.

Answer: (D)

Coverage B, Personal and Advertising Injury, protects against non-physical harms that arise from the insured’s advertising or other covered acts. This includes things like false advertising, misrepresentation, invasion of privacy, or rights of publicity or privacy. Those are exactly the types of offenses covered by this part of the policy, which is why this option is the best fit.

The other options describe different kinds of losses not covered by Coverage B: damage to the insured’s own premises is property damage covered under Coverage A; medical expenses for third-party injuries are handled by Medical Payments (Coverage C); and bodily injuries from use of a product fall under the bodily injury liability portion of Coverage A (product/operations).