Which items are considered Personal and Advertising Injury under Coverage B?

• A. Bodily injury or property damage.
• B. Intentional wrongdoing.
• C. Libel, slander, defamation, violation of rights of privacy or publicity, misappropriation of advertising ideas.
• D. Criminal acts of the insured.

Answer: (C)

Personal and Advertising Injury under Coverage B covers non-physical harms related to the insured’s advertising or publications. This includes libel, slander, defamation, violations of privacy or publicity rights, and misappropriation of advertising ideas. These are classic examples of the types of injury Coverage B is designed to protect against, since they concern reputational or rights-based harms rather than physical damage.

Bodily injury or property damage, by contrast, are damages that fall under Coverage A, not Coverage B. Intentional wrongdoing and criminal acts are generally excluded from Coverage B, so they aren’t the type of injury this coverage is meant to insure.