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.

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?

A. Yes, because the policy includes intellectual property coverage.

B. Yes, the CGL portion of the policy covers copyright infringement liability claims.

C. No, because the policy excludes copyright infringement liability claims.

D. No, because t does not include intellectual property coverage.