If Andy's Businessowners Policy covers the exposure of using a competitor's advertising idea, this would be categorized as which type of risk?

• A. Bodily injury
• B. Property damage
• C. Medical payments
• D. Personal and advertising injury

Answer: (D)

Personal and advertising injury covers offenses that arise from advertising activities, including infringement or misappropriation of someone else’s advertising ideas. In this scenario, using a competitor’s advertising idea is an advertising-related risk—the kind of issue that involves rights to advertising content rather than physical harm or property damage. It’s not about bodily injury, which is what bodily injury covers; nor about damage to tangible property, which would be property damage; and medical payments are limited to injuries, not advertising disputes. So this exposure fits squarely under personal and advertising injury.