Sammy owns a surf & skate shop insured under a Commercial Package Policy, which provides commercial property coverage (including BPP and Business Income coverage) and commercial general liability (CGL) coverage. The policy is written on causes-of-loss broad form. The CGL policy is written on an occurrence basis. Sammy gets sued for copyright infringement by a former employee for using her original artwork on his custom boards. Sammy claims he had permission to use the artwork because designs constituted works-for-hire. Based on the info above, is the loss covered? O No, because the CGL policy excludes copyright infringement (intellectual property) liability claims. No, because Sammy did not purchase intellectual property coverage. Yes, because the CGL policy covers copyright infringement liability claims, under Coverage B: Personal & Advertising Injury Liability. Yes, because Sammy purchased intellectual property coverage