Personal and Advertising Injury is the coverage that handles non-physical harm tied to the insured’s statements or advertising, including bodily injury when it stems from offenses like defamation or misrepresentation related to advertising or business operations. Defamation such as slander is a classic example of an offense that can be covered under this category, and the phrase includes injury that can be linked to these intentional tort-like actions. The other terms refer to different types of damage—slander is a specific offense, pollutant points to environmental contamination, and property damage to physical harm to property—so they don’t describe the broad coverage for injuries arising from intentional torts in the advertising/office context.

When a claim pits an employee against a third party who is protected by indemnity from the employer, that situation is described as a third-party action-over claim. The idea is that the insured (the employer) has an indemnity arrangement with the third party, and the employee’s suit against that third party sets up a secondary action where the employer may pursue reimbursement from the third party for any indemnified losses or defense costs. This is distinct from vicarious liability (the employer being liable for the employee’s actions) and from subrogation (the insurer stepping into the insured’s rights after paying a claim). The term “action-over” captures the chain where the third party, indemnified by the employer, can be pursued for indemnity after the initial claim arises.

Advertising misrepresentation falls under the personal and advertising injury protection. This part of a CGL policy covers claims that arise from the insured’s advertising activities, including false or misleading statements about the insured’s own goods, services, or those of others. When a third party sues the insured for misrepresenting in advertising, the allegation fits the kind of harm that Coverage B is designed to address, since the harm is tied to the insured’s advertising. Think of it this way: Coverage A handles bodily injury and property damage, which isn’t at issue in a misrepresentation claim. Coverage C covers medical payments for injuries, not advertising claims. Supplementary Payments are about advancing defense costs and related expenses, not providing the primary liability protection for advertising injuries. Since the claim concerns misleading or false statements in advertising, Coverage B is the appropriate response.

Adding an Additional Insured to a CGL policy is done by endorsement attached to the policy, typically using an ISO form. This endorsement names a third party—often a project owner or another contractor—and extends the named insured’s liability protection to that party for claims arising from the named insured’s operations or, depending on the form, completed operations. It’s a way to transfer risk contractually, not a separate policy or a cancellation mechanism. A certificate of insurance may show that the coverage exists, but the actual protection comes from the endorsement itself. The other options don’t fit because they describe mechanisms that don’t create this coverage extension: a rider that cancels coverage isn’t how additional insured status is granted; a separate policy would duplicate coverage rather than extend it; and the claims handler is simply part of the insurer, not how coverage is provided.

Bodily Injury in CGL Coverage A means physical harm to a person, including sickness or disease, and it also includes death that results from that harm. This definition focuses on the body of a living person, not on property or financial losses. The statement that describes physical injury, sickness, or disease to a person, including death that results therefrom, best captures that scope. The other options refer to damage to property, purely financial losses, or intangible property, which are not Bodily Injury.