Certified Insurance Service Representative (CISR) Commercial Casualty I Practice Exam

Which term covers injury, including bodily injury, arising out of one or more intentional torts?

Slander Personal and Advertising Injury Pollutant Property Damage

Correct Answer:

Personal and Advertising Injury

Explanation:

Personal and Advertising Injury is the coverage that handles non-physical harm tied to the insured’s statements or advertising, including bodily injury when it stems from offenses like defamation or misrepresentation related to advertising or business operations. Defamation such as slander is a classic example of an offense that can be covered under this category, and the phrase includes injury that can be linked to these intentional tort-like actions. The other terms refer to different types of damage—slander is a specific offense, pollutant points to environmental contamination, and property damage to physical harm to property—so they don’t describe the broad coverage for injuries arising from intentional torts in the advertising/office context.

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