An insured runs a small piano teaching studio in a spare room and wants liability cover for pupils who visit. The right step is:
Explanation
Section II excludes liability arising out of a business pursuit, and teaching for pay in the home is one, so the base policy would leave an injured pupil uninsured. The permitted incidental occupancies endorsement writes that small in-home business back into both sections. Raising a contents limit does nothing for liability, and scheduling property addresses valuables rather than a business exposure.
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