Section II: Liability Coverages

Coverage E: Comprehensive Personal Liability

Coverage F: Medical Payments to Others

Section II Additional Coverages: Damage to property of others (up to $1,000)

The saga of Sam and Sally Green continues. Indicate whether each of the following losses is covered under their HO3 policy. Specify why each loss is covered or not covered.

9. Sally falls down the stairs of her home, incurring medical expenses.

10. Sam paints house interiors for a living. One day, he spills a can of paint on a client's carpet, ruining the carpet.

11. Sally, a lawyer, is sued for providing inaccurate legal advice.

12. While driving his golf cart to the seventh tee, Sam accidentally runs over a golfing buddy. The buddy sues for damages.