If a third party sues the insured for misrepresentation in advertising, which CGL coverage would respond?

• A. Coverage A
• B. Coverage B Personal and Advertising Injury
• C. Coverage C Medical Payments
• D. Supplementary Payments

Answer: (B)

Advertising misrepresentation falls under the personal and advertising injury protection. This part of a CGL policy covers claims that arise from the insured’s advertising activities, including false or misleading statements about the insured’s own goods, services, or those of others. When a third party sues the insured for misrepresenting in advertising, the allegation fits the kind of harm that Coverage B is designed to address, since the harm is tied to the insured’s advertising.

Think of it this way: Coverage A handles bodily injury and property damage, which isn’t at issue in a misrepresentation claim. Coverage C covers medical payments for injuries, not advertising claims. Supplementary Payments are about advancing defense costs and related expenses, not providing the primary liability protection for advertising injuries. Since the claim concerns misleading or false statements in advertising, Coverage B is the appropriate response.