Which type of injury is included under CGL Coverage B?

Study for the Kentucky Insurance Adjuster Test. Prepare with flashcards and multiple choice questions, each question has hints and explanations. Get ready for your exam!

CGL Coverage B, also known as Personal and Advertising Injury Coverage, encompasses a variety of non-physical injuries that may occur as a result of a business's operations. False imprisonment is specifically one of the offenses covered under this type of insurance. This coverage protects businesses from claims alleging harm through actions that involve wrongful detention or restraint of a person, which falls under the personal injury category.

In contrast, product defects are generally covered under Coverage A (Bodily Injury and Property Damage), which focuses more on physical injuries or property damage caused by the business's products or services. Workplace accidents typically fall under workers' compensation insurance rather than Commercial General Liability, as they deal with employee injuries that are specifically handled through separate workplace injury claims. Similarly, auto accidents are insured through an Auto Liability policy rather than CGL, as they involve the use of vehicles rather than the personal or advertising injury exposures typically addressed by CGL. Therefore, false imprisonment as a form of personal injury is the correct choice under CGL Coverage B.

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