Question

Randy owns a clothing store. One day, he notices a shady character with a backpack who is hanging around acting nervous. Randy becomes suspicious and approaches the young man. As the boy makes an effort to avoid him, Randy grabs his arm and detains him until the police arrive. Not finding any stolen merchandise, the police let the boy go. Two weeks later Randy is notified that he will be sued for violation of the young man's civil rights. This is an example of what type of personal injury covered under Randy's Commercial General Liability policy?

A. Assault and battery
B. False arrest
C. Defamation
D. Invasion of privacy

Answer 1

Randy is being sued for false arrest after detaining a young man in his clothing store without evidence of stolen merchandise, a type of personal injury claim that could be covered under a Commercial General Liability policy.

B. False arrest

Step-by-step explanation:

Randy, the owner of a clothing store, is facing a lawsuit for allegedly violating a young man's civil rights. This legal issue falls under the category of personal injury that might be covered under Randy's Commercial General Liability policy.

The lawsuit alleges that Randy committed false arrest by detaining the individual without evidence of stolen merchandise. This is not a case of assault and battery because Randy did not physically harm the person; nor is it a case of defamation because no false statements were made about the individual's character, nor an invasion of privacy as there was no intrusion into the person's private life.

Therefore, the correct answer would be B. False arrest, which is a claim that someone was held or imprisoned without legal authority.