Question
Sammy owns a surf & skate shop insured under a CPP that includes BPP coverage, with a causes-of-loss broad form. The CPP also includes CGL
Sammy owns a surf & skate shop insured under a CPP that includes BPP coverage, with a causes-of-loss broad form. The CPP also includes CGL coverage, written on an occurrence basis. Pursuant to the declarations page, the coverage applies to the shop itself and Sammy's business property. Sammy also insured the business for $100,000 under a business income (and extra expense) coverage form.
During the policy period, Sammy detains a customer in his office at the shop when he suspects the customer of trying to steal an expensive custom surfboard. Sammy turns out to be wrong and 2 months after the CGL expires, the customer sues Sammy for defamation and false imprisonment.
Based on the info above, is the loss covered?
A. Yes, because t.
B. No, because the policy excludes personal injury claims.
C. No, because the claim was made after the expiration of the policy.
D. Yes, because the CGL portion of the policy covers false imprisonment claims.
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