Los Angeles Claims Adjuster Property and Causality Practice Exam

Which of the following is an example of personal and advertising injury?

1. Negligence resulting in bodily harm

2. Defamation of character

3. Loss due to a natural disaster

4. Property theft

The correct answer is: Defamation of character

Personal and advertising injury refers to specific types of harm that do not necessarily involve physical injury but instead relate to harm caused to a person's reputation, image, or business operations. Defamation of character falls squarely within this category as it involves making false statements that damage an individual’s reputation. In the context of insurance claims, personal and advertising injuries might include issues such as wrongful eviction, slander, libel, or copyright infringement, all of which can have serious consequences for an individual's or a business's image and customer relations. The other options do not fit the definition of personal and advertising injury. Negligence resulting in bodily harm pertains to physical injury, loss due to a natural disaster relates to property damage and not personal reputational harm, and property theft is a loss of tangible assets. Therefore, among the given choices, defamation of character is the only option that accurately represents an example of personal and advertising injury.