25. Under the personal injury and advertising injury coverage of the commercial general liability policy, which of the following situations would be covered?
Answer: D
Unintentional copyright infringement is covered under personal injury and advertising injury coverage.
This situation falls under the category of advertising injury, which includes offenses like copyright infringement, as long as it is unintentional.
A) Customer breaks a leg while on the premises
This situation is related to bodily injury rather than personal or advertising injury. A commercial general liability policy does cover bodily injury claims, but the question specifically asks for personal injury and advertising injury coverage, making this option incorrect.
B) The business sign fails on a customer
This scenario involves property damage or bodily injury due to a physical object, which is not classified as personal injury or advertising injury under the policy. Therefore, this option does not align with the coverage in question.
C) An employee intentionally hits a customer
This situation involves an intentional act that is generally excluded from coverage under commercial general liability policies. Personal injury coverage does not extend to intentional acts, making this option incorrect.
D) Unintentional copyright infringement
This situation is covered under the personal injury and advertising injury section of a commercial general liability policy. Unintentional copyright infringement falls under advertising injury, making it the correct answer.
Conclusion
Unintentional copyright infringement is the only scenario among the options that fits within the personal injury and advertising injury coverage, as it pertains to unintentional acts related to advertising. The other options either relate to bodily injury, intentional acts, or property damage, which are not covered under the specified section of the policy. Thus, D is definitively the correct choice.