A customer slips on a wet floor in a grocery store, then the store's ad agency posts a defamatory social media ad about a competitor, and a delivery driver is hurt on the premises and the store pays his medical bills without a lawsuit. Which CGL coverage part applies to each event respectively?

Why this is the answer

The ISO Commercial General Liability policy has three coverage parts. Coverage A (Bodily Injury & Property Damage) applies when a third party is injured on the premises or by the business's operations — the classic slip-and-fall. Coverage B (Personal & Advertising Injury) covers non-physical harms such as libel, slander, defamation, and infringement of copyright arising from advertising — the defamatory competitor ad. Coverage C (Medical Payments) pays medical expenses of third parties injured on the premises without requiring proof of negligence or a lawsuit — a goodwill benefit with a sub-limit (typically $5,000-$10,000). The delivery driver scenario fits Coverage C precisely because no liability finding is needed. Options A, B, and D each misassign at least one coverage to the wrong event per FL Outline §IV.A.