Scorpio, Inc responds to bomb threats by installing security cameras in its office, even in the toilets. It does not inform its employees about the security cameras. One of its employees decides to file a lawsuit against Scorpio

The personal umbrella policy covers some personal injuries. Which of the following is considered a personal injury?

A) bodily injury B) property damage C) defamation of character D) liability arising from professional services

The "defense" provision of the automobile insurance contract says the insurer:

A) will pay all defense costs, but those costs will reduce the limits of the policy B) will indemnify the insured for expenses incurred as a result of hiring the insured's choice of defense attorney C) does not need the consent of the insured to settle any claim against the insured D) must investigate each and every claim