Personal and Advertising Injury (CGL, Coverage B)

Personal and Advertising Injury coverage is part B of the Commercial General Liability (CGL) policy related to commercial insurance.

This coverage part of the CGL does not deal with bodily injury or property damage liability. Those are covered in part A, Premises and Operations and Products and Completed Operations.

Personal and advertising injury deals with financial damages you cause to another person as a result of libel, slander, defaming their products or services, or violating their right to privacy.

Any of the aforementioned acts can be committed orally or via any media type, such as on television or in a newspaper. Let’s look at examples of where each coverage parts would be in effect:

Personal Injury

Invasion of privacy, under the personal injury portion of you liability policy may include your publishing personal information about someone in a print journal.

Maybe you publish an article on a website stating that an individual has the HIV virus. That person retains the right to sue you for any “personal injury” that results, which may include loss of their job or the inability to get job.

Advertising Injury

Perhaps you own a small business and pay for advertising space in a local newspaper. You unknowingly use a national company’s slogan in your advertisement.

If a person in your town was a relative of someone at the large, national company, and told them their slogan was being used, the company would retain the right to sue you for copyright infringement.

The advertising injury portion of your CGL policy would pay for the costs associated with any judgment levied against you in court as a result of the infringement.

There are two additional coverage types that make up a complete general liability policy.

Part A, which includes premises and operations liability along with products and completed operations coverage, and part C, medical payments to others.