Common use of Coverage E – Personal Liability and Coverage F Clause in Contracts

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion applies but is not limited to an act or omission, regardless of its nature or circum- stance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion applies but is not limited to an act or omission, regardless of its nature or circum- stancecircumstance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing holding for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate private garage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion applies but is not limited to an act or omission, regardless of its nature or circum- stancecircumstance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "" insured." This exclusion does not apply to the rental or hold- ing holding for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate private garage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injuryin- jury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged en- gaged in by an "insured." This exclusion applies but is not limited to an act or omission, regardless of its nature or circum- stancecircumstance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing holding for rental of an "insured location": (1) On an occasional basis if used only as a residenceresi- dence; (2) In part for use only as a residence, unless a single sin- gle family unit is intended for use by the occupying occupy- ing family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garageprivate ga- rage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion applies but is not limited to an act or omission, regardless of its nature or circum- stancecircumstance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing holding for rental of an "insured location":; (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate private garage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion applies ap- plies but is not limited to an act or omission, regardless of its nature or circum- stancecircumstance, involving involv- ing a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "businessbusi- ness" engaged in by an "insured." This exclusion exclu- sion applies but is not limited to an act or omissionomis- sion, regardless of its nature or circum- stancecircumstance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion applies ap- plies but is not limited to an act or omission, regardless of its nature or circum- stancecircumstance, involving involv- ing a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to render professional services;services;‌

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "“bodily injury" ” or "“property damage"”: a. Which is expected or intended by the "insured"one or more “insureds”; b. Arising out of or in connection with a "“business" ” engaged in by an "“insured." ” This exclusion EXCLUSION applies but is not limited to an act or omission, regardless of its nature or circum- stancecircumstance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "“business"”; c. Arising out of the rental or holding for rental of any part of any premises by an "“insured." ” This exclusion EXCLUSION does not apply to the rental or hold- ing holding for rental of an "“insured location"”: (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate private garage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "“bodily injury" ” or "“property damage"”: a. Which is expected or intended by the "insured"one or more “insureds”; b. Arising out of or in connection with a "“business" ” engaged in by an "“insured." ” This exclusion applies but is not limited to an act or omission, regardless of its nature or circum- stancecircumstance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "“business"”; c. Arising out of the rental or holding for rental of any part of any premises by an "“insured." ” This exclusion does not apply to the rental or hold- ing holding for rental of an "“insured location"”: (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate private garage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"one or more “insureds”; b. Arising out of or in connection with a "businessbusi- ness" engaged in by an "insured." This exclusion exclu- sion applies but is not limited to an act or omission, regardless of its nature or circum- stance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion applies ap- plies but is not limited to an act or omission, regardless re- gardless of its nature or circum- stancecircumstance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to render ren- der professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insuredin- sured"; b. Arising out of or in connection with a "businessbusi- ness" engaged in by an "insured." This exclusion exclu- sion applies but is not limited to an act or omission, regardless of its nature or circum- stance, involving a service or duty rendered, promised, owed, or implied to be provided be- cause of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location": (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to render professional services;

Coverage E – Personal Liability and Coverage F. Medical Payments to Others do not apply to "bodily injury" or "property damage": a. Which is expected or intended by the "insured"; b. Arising out of or in connection with a "business" engaged in by an "insured." This exclusion applies ap- plies but is not limited to an act or omission, regardless of its nature or circum- stancecircumstance, involving involv- ing a service or duty rendered, promised, owed, or implied to be provided be- cause because of the nature of the "business"; c. Arising out of the rental or holding for rental of any part of any premises by an "insured." This exclusion does not apply to the rental or hold- ing for rental of an "insured location":location":‌‌ (1) On an occasional basis if used only as a residence; (2) In part for use only as a residence, unless a single family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (3) In part, as an office, school, studio or pri- vate garage; d. Arising out of the rendering of or failure to render professional services;