Which of the following is classified as a CGL Coverage B exclusion?

Prepare for the Kentucky Insurance Adjuster Exam with our quizzes featuring flashcards and multiple-choice questions. Each question includes hints and explanations to help you succeed!

Violating copyright is classified as a Coverage B exclusion under a Commercial General Liability (CGL) policy. Coverage B typically includes personal and advertising injury, which encompasses a range of offenses such as libel, slander, and invasion of privacy. However, certain acts, including the violation of copyright, are expressly excluded from this coverage.

The rationale behind this exclusion is that copyright infringement is a specifically defined legal issue that falls under intellectual property rights. Insurance policies typically avoid covering risks associated with intellectual property rights violations because they can lead to high-stakes litigation and established valuations that are difficult for insurers to underwrite.

In contrast, the other options deal with scenarios that fall within the coverage parameters or create liabilities that are more generally insurable. For instance, injury from completed operations typically falls under general liability coverage, and while personal attacks on individuals might align with certain forms of personal injury claims, they are not inherently excluded. Damages from product liability generally pertain to the products sold by a company and are covered under different parts of an insurance policy rather than Coverage B.

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