Advertising Injury Coverage

Advertising injury coverage is part of Coverage B in a Commercial General Liability policy, grouped together with personal injury. It protects the insured against claims arising from offenses committed in the course of advertising goods, products, or services. Covered offenses typically include oral or written publication of defamatory material, misappropriation of advertising ideas or style of doing business, and infringement of copyright, trade dress, or slogan. The coverage shares a limit with personal injury, usually matching the each-occurrence limit. In COI compliance, advertising injury coverage matters when vendors conduct marketing or advertising activities on behalf of the certificate holder. Marketing agencies, signage companies, and digital media vendors should carry active Coverage B. Compliance platforms should verify that no endorsements exclude or limit advertising injury coverage, particularly the common exclusion for intellectual property claims that some carriers add to CGL policies.