Homeowners Policy (HO)Câu 355 / 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
Giải thích
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.
Luyện miễn phí toàn bộ 474 câu hỏi — không cần đăng ký.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Câu hỏi liên quan cùng chủ đề
- A friend walks the insured's dog with permission and the dog bites a passerby. Under Section II of the homeowners policy, the friend is treated as:
- Immediately after a guest is hurt on the premises, the insured pays $300 for first aid at the scene. Under the Section II additional coverages, that expense is:
- An insured who repairs computers for pay in the garage is sued by a customer whose machine caught fire and burned her desk. Section II of the homeowners policy:
- Which of these Section II claims is excluded on a standard homeowners policy?
- During an argument the insured deliberately punches a neighbor and breaks his jaw, and the neighbor sues. Section II will:
- The insured's 9-year-old son breaks a neighbor's $1,400 laptop while playing, and nobody claims the boy was negligent. The homeowners policy pays:
Cập nhật gần nhất: · quy trình kiểm tra
Đội ngũ PrepPass · Đối chiếu với California Personal Lines Insurance License Exam · Quy trình kiểm tra