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Vehicles Exclusions
- apply to losses arising out of motor vehicles, watercraft, aircraft, and hovercraft
- ownership, maintenance, occupation, ...
- negligent entrustment
- failure to supervise
- vicarious liability
- registered vehicle, race, rented, taxi, business (except golf cart)
- does cover toys for children under 7, dead storage, used solely to service a residence, handicapped's vehicles, golf cart
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Watercraft coverage
- stored
- sailboats shorter than 26 feet
- sailboats longer than 26 feet not owned or rented
- non-owned <= 50hp watercraft
- non-owned, non-rented > 50hp watercraft
- <= 25hp watercraft
- >25hp watercraft, non-owned and non-rented
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Coverages E and F Exclusions
- expected or intended injury
- business: except less than $2,000 a year, volunteer, no compensation home daycare, daycare to a relative; also excludes occasional rental
- professional services
- war
- sexual molestation, corporal punishment or abuse
- communicable disease
- controlled substances
- insured's premises not an insured location
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Coverage E Exclusions
- loss assessment and contractual liability
- damage to the insured's property
- damage to property in the insured's care
- persons eligible for workers compensation
- nuclear liability
- bodily injury to an insured
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Coverage F Exclusions
- residence employee off premises: covers on property (always), off premises (only if working)
- injury eligible to workers comp benefits
- nuclear reaction
- injury to residents
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