The premises and operations exposure includes liability for bodily injury, property damage, and

The premises and operations exposure includes liability for bodily injury, property damage, and

• A. Auto liability
• B. Personal and advertising injury
• C. Contractual liability
• D. Environmental damage

Answer: (B)

Premises and operations exposure in a general liability policy covers injuries and damages that occur on the insured’s premises or as the business conducts its activities. Along with bodily injury and property damage, it also includes personal and advertising injury, which protects against non-physical harms such as libel, slander, invasion of privacy, or misrepresentation in advertising. Auto liability deals with injuries from vehicle use and is usually handled under a separate auto policy; contractual liability covers liabilities assumed under contracts; environmental damage involves pollution risks and typically requires specialized coverage. So, the third element that fits this exposure is personal and advertising injury.

Premises and operations exposure in a general liability policy covers injuries and damages that occur on the insured’s premises or as the business conducts its activities. Along with bodily injury and property damage, it also includes personal and advertising injury, which protects against non-physical harms such as libel, slander, invasion of privacy, or misrepresentation in advertising. Auto liability deals with injuries from vehicle use and is usually handled under a separate auto policy; contractual liability covers liabilities assumed under contracts; environmental damage involves pollution risks and typically requires specialized coverage. So, the third element that fits this exposure is personal and advertising injury.