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Personal Liability Pays damages for BI and PD plus defense caused by insureds negligence.Arising from insureds premises and activities, insureds animalsLimits of $100-300, TERM 2 Medical Payments DEFINITION 2 Without regard to legal liabilityArising from insured premises and activities, insureds animals.No coverage for the insured, regular residents of the household, tenantsCoverage for residence employeesMinimum limit of $1, TERM 3 Exceptions DEFINITION 3 Dead storageService of the premises (Riding Mower)Assist handicapped (Motorized wheelchair)Recreational vehicle on premises (ATV)Non-owned recreational vehicleGolf cart: TERM 4 ATV Covered Under Homeowners Off Residence Premises yes/no? DEFINITION 4 No TERM 5 Martha rents a snowmobile at a ski resort and accidentally collides with a skier. Martha is sued for $200,000 by the injured skier. yes/no? DEFINITION 5 Yes
Watercraft Exclusion Sailboats under 26Watercraft 25 HP or less outboardWatercraft over 25 HP outboard acquired during policy periodCoverage until renewal dateWatercraft not owned or rented (borrowed is covered TERM 7 Jet Ski Covered? yes/no DEFINITION 7 No TERM 8 14 foot no engine Sunfish Sailboat Covered? yes/no DEFINITION 8 yes TERM 9 Business Activities Excluded Except DEFINITION 9 Less than $2,000 annual compensationUnder age 21 self employed, part-time (lawn mowing, baby sitting)Volunteer activitiesFor other incidental business activities, add Home Business Endorsement TERM 10 The Johnson family decides to rent their SE Charlotte home for two weeks during the Democratic National convention Does the HO policy provide liability coverage for rental during the DNC? yes/no DEFINITION 10 yes
Insured Nurse Administers the Wrong Medication-Covered or Not Covered? yes/no No TERM 17 Injury to residence employee who slips and falls on the premises-Covered or Not Covered Under MP? yes/no DEFINITION 17 Yes TERM 18 Med Pay: During softball game, insured releases softball bat and hits teammate in dug-out - Covered or Not Covered? yes/no DEFINITION 18 yes TERM 19 Insureds dog bites neighbors child- Covered or Not Covered? yes/no DEFINITION 19 Yes TERM 20 Neighbors Child falls from swing set on insured premises - Covered or Not Covered? yes/no DEFINITION 20 yes
Insureds child falls from swing set on insured premises-Covered or Not Covered? yes/no no
