Homeowners InsuranceQuestion 155 of 215
Which of the following claims would be EXCLUDED under Section II Coverage E of a standard HO-3?
a.Bodily injury to a customer of the insured's at-home daycare business
b.Bodily injury to a guest who slips on the insured's icy walkway
c.Property damage caused by the insured's child throwing a baseball through a neighbor's window
d.Bodily injury to a visiting plumber bitten by the insured's dog
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 exclusionsPractice all 215 questions free — no signup required.
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