What is included in CGL's definition of personal injury?

What is included in CGL's definition of personal injury?

• A. Injury from a car accident
• B. Slander or libel
• C. Workplace injury
• D. Property damage claims

Answer: (B)

The definition of personal injury in commercial general liability (CGL) insurance specifically includes offenses such as slander, libel, and other forms of defamation. This is vital as it protects the insured against claims arising from injuries that do not necessarily involve physical harm to a person but rather involve harm to a person's reputation or dignity. Slander refers to spoken defamatory statements, while libel refers to written defamatory statements. These elements are critical in understanding personal injury coverage, as they expand the scope of liability beyond just physical injuries. Other options do not fall within the traditional definition of personal injury as recognized in CGL. Car accident injuries typically involve bodily injury claims rather than personal injury in the context of defamation. Workplace injuries are generally covered under workers' compensation insurance, which is separate from CGL policies. Lastly, property damage claims pertain to physical damage to tangible property rather than personal injury to individuals. Thus, slander or libel is correctly identified as a key aspect of personal injury coverage in CGL insurance.

The definition of personal injury in commercial general liability (CGL) insurance specifically includes offenses such as slander, libel, and other forms of defamation. This is vital as it protects the insured against claims arising from injuries that do not necessarily involve physical harm to a person but rather involve harm to a person's reputation or dignity. Slander refers to spoken defamatory statements, while libel refers to written defamatory statements. These elements are critical in understanding personal injury coverage, as they expand the scope of liability beyond just physical injuries.

Other options do not fall within the traditional definition of personal injury as recognized in CGL. Car accident injuries typically involve bodily injury claims rather than personal injury in the context of defamation. Workplace injuries are generally covered under workers' compensation insurance, which is separate from CGL policies. Lastly, property damage claims pertain to physical damage to tangible property rather than personal injury to individuals. Thus, slander or libel is correctly identified as a key aspect of personal injury coverage in CGL insurance.