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COVERAGE ESSENTIALS: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

Total Credits: 3 including 3 CE Credit

Average Rating:
10% premium discount qualified |  Commercial Lines |  Commercial Lines - Advanced |  Commercial Lines - Basic |  Errors and Omissions |  MLIS Designation Update Qualified
Nancy Germond |  Brian Hutson, CIC, CRM
Course Levels:
3 Hours
Product Setting: Expires 30 day(s) after program date.



This course covers the policy language, exclusions and typical claims scenarios seen under the commercial general liability policy Coverage B - Personal & Advertising Injury. The course also covers some errors and omissions that agents can avoid. 

Basic Course Information

Learning Objectives
  • Explain how the CGL form sets out coverage A, B and C and review the difference between an occurrence and an offense
  • Define the way the CGL lists Coverage B and how limits apply and review a brief history of the coverage under the CGL
  • Describe the offenses covered under Coverage B, Personal and Advertising Injury
  • Describe the exclusions under the CGL Coverage B, Personal and Advertising Injury

Major Subjects
  • Review the types of claims and damages typically sought in Coverage B claims
  • Describe some Errors & Omissions (E&O) exposures that can arise when placing this coverage

Course Materials


Nancy Germond's Profile

Nancy Germond Related Seminars and Products

Executive Director

Independent Insurance Agents & Brokers of America

Nancy Germond is the Executive Director, Risk Management and Education, for the Independent Insurance Agents & Brokers of America, the “Big I.” She is located in Phoenix, Arizona. With almost four decades of risk management experience, her unique insights and abilities help businesses better understand and manage their risk. Nancy has authored scores of risk management-related articles, and white papers and has consulted and presented to public-sector and private-sector insurance organizations. She is a licensed P&C agent and adjuster.

A second-generation insurance professional, Nancy was the first risk manager of the City of Prescott, Arizona, and has worked in the private and public sectors as a claim and risk manager. Nancy holds a B.A. in Communication from Mills College and a Master’s degree in sociology from Lincoln University. She also holds the Associate in Risk Management, the Associate in Claims designation from the Insurance Institute of America, the Insurance Training Professional Designation from the Society of Insurance Trainers and is a Senior Professional in Human Resource Management.

Brian Hutson, CIC, CRM's Profile

Brian Hutson, CIC, CRM Related Seminars and Products

Brian began his career in 1992 with Given/Woods Insurance Agency. He studied Insurance and Risk Management at SMU and graduated in 1994. In 1996 he left Given/Woods and started his own agency. He later merged his agency with Given/Woods when Glenn Woods retired. He sold the agency to Assured Partners in 2018 and continues to work at Assured Partners.


Mon, Jul 29, 2024 - 03:00pm to 06:05pm EDT
Thu, Aug 08, 2024 - 11:00am to 02:05pm EDT
Mon, Aug 19, 2024 - 03:00pm to 06:05pm EDT
Thu, Sep 12, 2024 - 11:00am to 02:05pm EDT
Mon, Sep 30, 2024 - 03:00pm to 06:05pm EDT
Mon, Oct 07, 2024 - 11:00am to 02:05pm EDT
Fri, Oct 25, 2024 - 03:00pm to 06:05pm EDT
Mon, Nov 04, 2024 - 11:00am to 02:05pm EST
Wed, Nov 20, 2024 - 03:00pm to 06:05pm EST
Fri, Dec 06, 2024 - 11:00am to 02:05pm EST
Tue, Dec 24, 2024 - 03:00pm to 06:05pm EST

State Specific Details

Basic Course Information

Course Developer IIABA
Designed For Entry level and experienced commercial lines producers, and commercial lines customer service representativess

Promo Video



Overall:      5

Total Reviews: 6


Russell M - Statesboro, Georgia

"Very easy to follow and understand "