What is included in Advertising Injury under CGL?

• A. Property damage caused by ads
• B. Bodily injury unrelated to ads
• C. Infringement of advertising ideas, misappropriation of advertising ideas, and false or misleading statements in advertising that injure a party's reputation
• D. Financial loss caused by advertising campaigns

Answer: (C)

Advertising injury in a CGL policy covers harms that arise from the way a business uses or presents itself in its advertising. The best choice lists the elements that typically fall under this coverage: infringement of advertising ideas, misappropriation of advertising ideas, and false or misleading statements in advertising that injure a party's reputation. These are exactly the kinds of misdeeds the CGL policy aims to protect against when they occur in the context of advertising.

Property damage caused by ads and bodily injury unrelated to ads are not considered advertising injury; they are covered under separate parts of the policy (property damage or bodily injury). Financial loss caused by advertising campaigns isn’t classified as advertising injury in the standard CGL form, so it wouldn’t be covered under that provision.