In terms of supplemental payments, which of the following is NOT generally included?

Supplemental payments in insurance policies are typically designed to cover certain additional costs that arise in the course of handling a claim. Among the options provided, legal expenses, medical payments, and loss of earnings are common types of supplemental payments that insurers may cover.

Legal expenses often include costs associated with defending against lawsuits, which are essential for protecting the insured's interests in legal matters connected to a claim. Medical payments are generally included as they can relate to immediate medical care needed following an incident covered by the insurance. Loss of earnings can also be covered, as it compensates the insured for income lost due to an injury or situation that affects their ability to work.

In contrast, advertising costs do not fall under the typical scope of supplemental payments. While advertising can be essential for businesses, it pertains more to promotional activities rather than direct costs associated with settling claims or damages. Therefore, it is generally not included in the supplemental payments offered by typical insurance policies.