Homeowners Policy (HO)Pregunta 355 de 474
A licensed architect works from home and is sued for a design error on a client's building. Under Section II of the homeowners policy, the claim is:
a.excluded only above $100,000 of loss
b.covered once a suit is actually filed
c.excluded, as a professional service
d.covered by Coverage E as an occurrence
Explicación
Section II excludes bodily injury and property damage arising out of the rendering or failure to render professional services, so a design error belongs on a professional liability policy. The answer treating it as an ordinary occurrence ignores that exclusion. The exclusion is a subject-matter bar, not a dollar threshold that bites above the Coverage E limit.
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