Advertising exposure arises when a retailer uses a customer's image in promotional materials without permission. This is an example of which liability exposure?

Advertising exposure arises when a retailer uses a customer's image in promotional materials without permission. This is an example of which liability exposure?

• A. Business operations
• B. Advertising
• C. Products
• D. Professional activities

Answer: (B)

Advertising exposure covers liability that arises from promotional activities and how a business presents itself to the public. When a retailer uses a customer’s image in promotional materials without permission, it can invade that person’s privacy and improperly use their likeness. These are classic advertising injuries because the harm stems from the advertising itself, not from product defects or routine operations. This isn’t tied to day-to-day business operations, the products sold or manufactured, or professional services. Those areas relate to operations, product-related, or professional liability exposures, respectively. So the scenario best fits advertising exposure because the alleged harm comes from the advertising material.

Advertising exposure covers liability that arises from promotional activities and how a business presents itself to the public. When a retailer uses a customer’s image in promotional materials without permission, it can invade that person’s privacy and improperly use their likeness. These are classic advertising injuries because the harm stems from the advertising itself, not from product defects or routine operations.

This isn’t tied to day-to-day business operations, the products sold or manufactured, or professional services. Those areas relate to operations, product-related, or professional liability exposures, respectively. So the scenario best fits advertising exposure because the alleged harm comes from the advertising material.