Homeowners Policy (HO)Question 155 of 53175% of test-takers answer this correctly

Which of the following claims would be EXCLUDED under Section II Coverage E of a standard HO-3?

a.Bodily injury to a visiting plumber bitten by the insured's dog
b.Bodily injury to a guest who slips on the insured's icy walkway
c.Bodily injury to a customer of the insured's at-home daycare business
d.Property damage caused by the insured's child throwing a baseball through a neighbor's window

Explanation

Section II Coverage E excludes bodily injury and property damage arising out of business activities conducted by the insured, including a home-based daycare or any other for-profit venture. The insured would need a separate commercial general liability or in-home business endorsement. The other choices involve typical personal-liability exposures that the standard form covers.

Law Reference: ISO Homeowners Section II — Personal liability exclusions

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