Hợp đồng chủ nhà (HO)Câu 367 / 531
An insured runs a small piano teaching studio in a spare room and wants liability cover for pupils who visit. The right step is:
a.raise the Coverage C limit for the studio
b.rely on Coverage E, which covers visitors
c.add a permitted incidental occupancies endorsement
d.add a scheduled personal property endorsement
Giải thích
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.
Luyện miễn phí toàn bộ 531 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
- An insured's inboard-powered motorboat injures a swimmer while the insured is at the helm. Section II of the homeowners policy:
- A resident son injures his sister at home and the parents present her $5,000 of bills to their own liability coverage. Section II:
- A homeowner is sued for slander after posting untrue remarks about a neighbor. On an unendorsed policy the claim is:
- Beyond the damages themselves, the Section II additional coverage for claim expenses pays:
- After a covered fire, the duties the insured owes under Section I include:
- An insured schedules a $12,000 ring on a scheduled personal property endorsement. If the ring is stolen, the policy pays:
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