Which of the following activities is NOT covered under the Liability coverages of a Homeowner's policy?

Which of the following activities is NOT covered under the Liability coverages of a Homeowner's policy?

• A. Your work as a salesclerk in a department store
• B. The occasional rental of your residence
• C. Rental of your garage, up to three car spaces
• D. Temporary or part-time business pursuits of an insured person under the age of 21 years

Answer: (A)

The correct answer is that the work as a salesclerk in a department store is not covered under the liability coverages of a Homeowner's policy. Homeowner's liability coverage is primarily designed to protect homeowners from claims arising from accidents or injuries that occur on their property or as a result of their personal activities in a non-business capacity. Employment-related activities, such as working as a salesclerk, fall outside the scope of homeowner's liability insurance. This type of coverage is not intended to cover injuries or incidents that occur during paid employment, as these situations would typically be addressed by an employer's liability insurance or workers' compensation. In the case of occasional rental of your residence and the rental of your garage, these activities can fall under your homeowner's policy, as they relate to your use of your property and can lead to liability claims. Similarly, temporary or part-time pursuits of an insured person under the age of 21 can also be included within liability coverages, as they are usually related to minor, non-business activities that do not generate significant income or risk. Thus, they remain within the bounds of standard homeowner's liability protections.

The correct answer is that the work as a salesclerk in a department store is not covered under the liability coverages of a Homeowner's policy. Homeowner's liability coverage is primarily designed to protect homeowners from claims arising from accidents or injuries that occur on their property or as a result of their personal activities in a non-business capacity.

Employment-related activities, such as working as a salesclerk, fall outside the scope of homeowner's liability insurance. This type of coverage is not intended to cover injuries or incidents that occur during paid employment, as these situations would typically be addressed by an employer's liability insurance or workers' compensation.

In the case of occasional rental of your residence and the rental of your garage, these activities can fall under your homeowner's policy, as they relate to your use of your property and can lead to liability claims. Similarly, temporary or part-time pursuits of an insured person under the age of 21 can also be included within liability coverages, as they are usually related to minor, non-business activities that do not generate significant income or risk. Thus, they remain within the bounds of standard homeowner's liability protections.