Which of the following activities under Coverage E (Personal Liability) is NOT covered?

Coverage E under a typical homeowners insurance policy is designed to provide personal liability protection for the insured in the event that they are found legally liable for causing bodily injury or property damage to others. This means it covers a variety of scenarios, including personal injuries, property damage claims, and liability related to homeownership.

However, business activities are not covered under Coverage E. This exclusion exists because personal liability insurance is intended for personal, not business-related activities. If you were using your home for business purposes, such as operating a home-based business, and someone were injured as a result of that business activity, the coverage would not apply. This clear delineation helps insurers manage risk associated with business liabilities, which they typically handle through commercial insurance policies.

Understanding this distinction is vital for homeowners to ensure they have the proper coverage for the specific activities they engage in, as personal liability for business operations is outside this particular policy coverage.