Coverage B - Personal and Advertising Injury Liability under the Commercial General Liability Coverage Form is designed to protect businesses from various claims involving personal and advertising injuries. This includes claims related to defamation, wrongful eviction, infringement of copyright, and false advertising, among others.
In the context of the options provided, the incident where a store manager accuses a young man of shoplifting falls under this coverage because such an accusation can be classified as a form of personal injury. Specifically, it relates to acts of slander or defamation, where the accused individual’s reputation is harmed due to false allegations. If the young man is later found innocent, he may have a valid claim for the damages incurred due to the manager's accusation, making this situation a fitting example of a personal injury liability.
The other scenarios do not align with the provisions of Coverage B. For instance, product liability claims, such as a customer suing for a defective product, fall under bodily injury or property damage claims, not personal and advertising injury. Likewise, an employee suing for workplace discrimination would typically involve employment practices liability, which is a different type of coverage altogether. A company making false claims about a competitor’s product actually pertains more to false advertising but does not fulfill the "personal injury" aspect