A. Section II provides (2) types of third party coverage.

1. Coverage E—Personal Liability coverage.

2. Coverage F—Medical Payments to Others

The following are included as insureds for Section II coverages:

1.The policyholder (the namned insured)

2.Residents of the household who are relatives

3.Residents < 21& in the care of the namned insured or resident relatives.

4.full-timne student

5.animnals or watercraft owned by 1, 2, or 3
6.Anyone employed by a person defined in 1, 2, or 3,

7.any1 using any vehicle covered by the policy on
location, with the consent of the namned insured

Coverage F applies to people who are injured in the following situations:

1. A person on an “insured location” with the permission of an insured. The definition of “insured location” has 8 variations.

 2. A person off the insured location is injured:

a. b/c conditions on the insured location.
b. By insured’s activities.
c. By a “residence employee” of the insured during the course of employment.

d. By an animal owned by or in the care of an insured.

1. Motor vehicle, watercraft, aircraft, and hovercraft liability exclusions.
2. Expected or intended injury or damage exclusion—Section II is protection .... resulting from an accident.

3. Business exclusion—Excludes business activities of any insured, but provides coverage for occasional or part-time activities.

4. Professional services exclusion

5. Locations that are not insured

6. War exclusion

7. Communicable disease exclusion

8. Sexual molestation and physical or mental abuse exclusion

9, Controlled substances exclusion

1. Loss assessment exclusion

2. Liability assumed under contract exclusion  

3. Damage to the insured’s property

4. Property in the insured’s care exclusion

5. Bodily injury to persons eligible for workers compensation benefits exclusion

6. Nuclear liability exclusion

7. Bodily injury to an insured exclusion

1. Residence employee off-premises exclusion

2. Bodily injury to persons eligible for workers compensation benefits exclusion

3. Nuclear reaction exclusion

4. Injury to residents exclusion

1. Claim expense additional coverage.

2. First-aid expenses additional coverage

3. Damage to property of others additional coverage.

4. Loss assessment additional coverage

A. Limit of liability - Coverage E

B. Severability of insurance

C. Duties after loss

D. Duties of an injured person - Coverage F

E. Payment of claim - Coverage F

F Suit against the insurer

G. Bankruptcy of an insured

H. Other insurance—Coverage E—Coverage E limits are paid in excess over any other collectible insurance unless the other insurance is written specifically to provide excess coverage.
I. Policy period—Coverage

J. Concealment or fraud condition

A. Liberalization clause

B. Waiver or change of policy provisions

C. Cancellation

D. Nonrenewal

E. Assignment

F Subrogation

0. Death

Definition of Severability of insurance

Policy condition that applies insurance separately to each insured;
does not increase the insurer’s limit of liability for any one occurrence.

FYI - No deductible applies to Section II coverages.

1. Limits—automatically include a basic limit generally set at $100,000 per occurrence.

2. Coverage trigger—Coverage is provided, up to the policy limit, for damages for which an insured is legally liable.

3. Defense costs coverage—the insurer pays defense costs if an insured is presented with a lawsuit that involves a claim that is covered under the policy.
a. Even if the suit is groundless, false, or fraudulent.
b. Insurer has the right to investigate and settle any
claim in a way that the insurer decides is appropriate.

E (personal Liab) & F (pmts to others) Coverage does not apply to motor vehicles
that :

Note: It's a homeowners policy, not a car, motorcycle policy!

1. Limits—automatically included in all homeowners policies for a limit generally set at 1,000 per person for a single accident.

2. Coverage trigger—Coverage is provided, up to the policy limit, for the necessary medical expenses incurred by others (not an insured) within three years of an inj ury. It does not apply to the named insured or other regular residents of the household except “residence employees.”

A domestic worker whose duties include maintaining or using the household premises or performing domestic or household services.

E (pers liab) & F (pmts to others) does apply to motor vehicles that are:

Limits under Section II - Additional coverages are....

1. Damage to property of others additional coverage—The insurer will pay up to $1,000 per occurrence for damage to the property of others caused by an insured, Coverage is provided on a replacement cost basis.

2. Loss assessment additional coverage—Loss assessment coverage is provided up to $1,000 for an insured’s share of loss assessment charged against a policyholder during the policy period

1. Give the insurer written proof of the claim as soon as possible (under oath if required).

2. Authorize the insurer to obtain copies of medical reports and records.