Los Angeles Claims Adjuster Property and Causality Practice Exam

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What type of injury does CGL Coverage B specifically address?

Property Damage
Personal and Advertising Injury
Medical Expenses
Physical Injury

The correct answer is: Personal and Advertising Injury

CGL Coverage B specifically addresses Personal and Advertising Injury, which includes offenses such as defamation, invasion of privacy, and false advertising. This component of the Commercial General Liability insurance is designed to protect businesses from liability claims that arise from these non-physical injuries. Personal Injury refers to harm caused to an individual's reputation or emotional well-being rather than their physical health, while Advertising Injury pertains to damages resulting from false or misleading advertisements. The comprehensive nature of this coverage is critical for businesses engaged in advertising and public relations, as it helps mitigate the financial repercussions associated with claims of this nature. Understanding this coverage is essential for claims adjusters, as it allows them to correctly evaluate claims and determine the applicability of coverage in relation to specific incidents of personal or advertising injury within the scope of a general liability policy.