What does Coverage B in CGL typically cover?

Coverage B in a Commercial General Liability (CGL) policy specifically addresses personal and advertising injury. This coverage is designed to protect businesses from claims associated with offenses such as libel, slander, wrongful eviction, infringement of copyright, and advertising injury.

Personal injury refers to non-physical injury that a person could suffer, which extends to protections against lawsuits claiming damages resulting from these types of harms. This coverage is essential for businesses engaged in advertising and promoting their services or products, as it helps mitigate the risk of financial loss associated with legal claims related to their marketing practices.

In contrast, other types of coverage within a CGL policy cover different exposures — property damage typically pertains to damage to someone else's physical property, bodily injury is associated with physical harm to a person, and completed operations liability addresses risk related to services provided or products delivered. Each of these categories serves a distinct purpose, but Coverage B uniquely protects against personal and advertising injuries, making it vital for businesses concerned about their reputational risks in marketing and communication efforts.