The illegal occupation provision ensures that the insurer is NOT liable for any losses incurred while the policy owner was

Being under the influence of prescription drugs does not automatically imply that the policyholder is engaging in illegal activity. If the drugs were legally prescribed and used as directed, the insurer could still be liable for losses incurred while under their influence.

Pursuing a criminal can be considered a lawful action in the context of self-defense or to assist law enforcement. Therefore, losses incurred while acting in this capacity may still be covered by insurance, as this action does not inherently involve illegal activity.

The status of being "not at work" does not relate to illegal activities and is irrelevant to the illegal occupation provision. An insurer typically evaluates claims based on the legality of the actions leading to loss rather than the employment status of the policyholder at the time of the incident.