Which of the following is covered under Advertising Injury in CGL policies?

The concept of Advertising Injury under Commercial General Liability (CGL) policies encompasses certain offenses that occur in the course of advertising a business. One of the key components of Advertising Injury is the violation of the right to privacy. This occurs when an advertisement infringes on an individual's or group’s private rights, potentially leading to claims that an ad has divulged private information without consent, misappropriated a person's likeness, or otherwise intruded upon a person's right to privacy.

The inclusion of this violation in Advertising Injury coverage is crucial, as businesses often engage in promotional activities that may unintentionally encroach upon personal rights. When a claim rises to the level of violating someone's right to privacy, the affected party may seek damages, which the CGL policy is designed to cover, thus protecting the business from such liability risks.

Understanding this coverage is essential for businesses that utilize advertising as a key component of their operations, as it highlights the importance of ensuring that marketing practices uphold individuals' rights while promoting their services or products.