Endorsements & Optional Coverages第 442 / 474 题
A homeowner begins caring for five unrelated children for pay. Under the unendorsed policy, that activity is:
a.Excluded, as liability arising out of a business
b.Covered, because the children become insureds
c.Covered, as an incidental use of the household
d.Covered, but only up to the medical payments limit
解析
Home day care is a business, and the Section II business exclusion applies to bodily injury arising out of it, so an unendorsed homeowners policy leaves the operation uninsured. The insured needs a home day care endorsement where the insurer offers one, or a separate business policy. Guests injured on the premises are not insureds, and medical payments does not rescue an excluded business exposure.
免费刷完整 474 道题库 — 无需注册。
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
同考点相关题目
- Identity theft expense coverage added to a homeowners policy generally pays:
- A permitted incidental occupancies endorsement is the right answer when the insured:
- On a standard unendorsed form, Coverage B will not cover an other structure that is:
- Adding the personal injury endorsement extends Section II to claims for:
- An owner of an older home buys increased ordinance or law coverage because the built-in additional coverage:
- The inflation guard endorsement protects an insured by:
最近核对： · 审核流程
PrepPass 团队 · 依据官方资料核对 California Personal Lines Insurance License Exam · 我们如何核对