Arizona Adjuster Practice Exam

Will Jack's homeowners policy cover him if a publisher is injured at his home during a business meeting?

1. Yes, fully

2. No, it excludes business-related injuries

3. Only for minor injuries

4. Yes, if he has liability coverage

The correct answer is: No, it excludes business-related injuries

The homeowners policy typically includes coverage for personal liability, but this coverage can be limited or excluded when it comes to incidents related to business activities conducted on the property. In this case, since the injury occurred during a business meeting, it falls under a business-related context. Many homeowners policies have explicit exclusions for injuries sustained on the premises while engaged in a business activity. This means that, although Jack may have liability coverage for personal activities, it would not extend to cover injuries that happen during a business meeting. Thus, the correct answer indicates that these types of injuries are indeed excluded from coverage under Jack’s homeowners policy.