Louisiana P&C Adjuster Practice Exam

What type of personal injury is Mr. Lee's action of evicting his tenant considered under his CGL policy?

1. Negligent harassment

2. Wrongful Entry

3. Breach of Peace

4. Landlord misconduct

The correct answer is: Wrongful Entry

Mr. Lee's action of evicting his tenant is considered "Wrongful Entry" under his Commercial General Liability (CGL) policy. This term refers specifically to situations where a landlord or property owner unlawfully enters a tenant's rented space, which can happen during the process of eviction if the proper legal procedures are not followed. In an eviction scenario, if the landlord forcibly removes the tenant or enters the premises without permission and without following the legal protocol, this could be categorized as wrongful entry. The CGL policy typically provides coverage for claims stemming from such actions, recognizing the potential liability landlords might face if their actions are deemed improper or outside the legal framework. This choice accurately reflects the concept of a landlord's liability for acts that violate a tenant's right to quiet enjoyment of the property, which underpins the legal protections afforded to tenants and the obligations expected of landlords.