Class Description
All actions detailed in the definition of “Personal and Advertising Injury,” as contained in Insurance Services Office’s (ISO’s) commercial general liability (CGL) policy, are intentional acts or “offenses.” While the actions leading to charges of libel, slander, invasion of privacy, copyright infringement, false arrest, defamation and other “offenses” defined in this section are intentional, the results must be unintentional before this coverage part responds to defend and/or pay the defined third-party injury.
“Personal and Advertising Injury” coverage – Coverage B – is wholly separate from the “Bodily Injury and Property Damage” protection extended by Coverage A; but Coverage B is fully contained within the package of CGL-provided coverage. However, the “personal and advertising injury” coverage part is largely ignored by agents. Rarely are these coverages highlighted or any risk management steps taken to help the insured avoid these types of losses. Every insured has a “personal and advertising injury” exposure even though it’s not as easy to spot or explain as the bodily injury and property damage exposure.
Participants in this webinar will learn:
- How the coverage trigger for Coverage Part B differs from Part A
- The breadth of the Personal and Advertising Injury coverage
- What qualifies as a covered “offense”
- How the exclusions apply