Which offenses are typically included in Personal and Advertising Injury?

• A. False arrest or detention; Malicious prosecution
• B. Libel or slander; Misrepresentation of material fact
• C. Infringement of advertising ideas or IP; Violation of privacy
• D. False arrest or detention; Malicious prosecution; Wrongful eviction or entry; Libel or slander; Misrepresentation of material fact; Violation of privacy; Infringement of advertising ideas or IP

Answer: (D)

Personal and Advertising Injury coverage protects against non-physical harms that arise from the insured’s business operations and advertising. It typically includes defamation (libel and slander), misrepresentation of material facts, violations of privacy, and infringement of advertising ideas or intellectual property. It also covers certain torts involving others’ rights in a business context, such as false arrest or detention, malicious prosecution, and wrongful eviction or entry. Because these are injuries that come from how the business acts or advertises rather than from bodily harm or property damage, the most complete and accurate option lists all of these common offenses. The other options omit some of these key items, making them incomplete.