Which option describes the coverage of personal and advertising injury liability for knowingly inflicting injury?

The coverage of personal and advertising injury liability specifically excludes intentional acts, which includes knowingly inflicting injury. Liability insurance is designed to provide protection against unintended mistakes or negligence that harm others. This means that if an individual or business intentionally causes harm, such actions are typically not covered under personal and advertising injury liability provisions in an insurance policy.

Liability insurance is intended to offer protection against claims arising from unintentional injury or damage, so if someone is found to have knowingly inflicted injury, that act falls outside the realm of what insurance was intended to cover. This exclusion is critical to understand, as it delineates the boundaries of coverage and reinforces the principle that insurance cannot be used to protect individuals from the consequences of their intentional and wrongful acts.