Difficulty: Medium

Average Score: 50%

Under an HO-3 Policy, Coverage F-Medical Payments to Others applies to all of the following EXCEPT

Rationale

An insured’s nanny who is accidentally injured while doing personal shopping is not covered under Coverage F-Medical Payments to Others.

Coverage F is designed to provide medical payments for injuries to others occurring on the insured's property, but it explicitly excludes injuries to individuals who are employed by the insured, such as a nanny, especially when the injury occurs outside the scope of employment.

A (a mail carrier who is bitten by an insured's dog) YOUR ANSWER

This scenario is covered under Coverage F because the mail carrier is a visitor on the property and was injured due to an incident involving the insured’s dog. The policy provides for medical payments to others who are injured on the premises or as a result of the insured’s activities.

B (a meter reader who trips on an insured's skateboard) YOUR ANSWER

The meter reader is also a visitor and was injured due to a hazardous condition on the insured’s property. Coverage F applies here as it compensates for medical expenses incurred by individuals who are injured while on the insured's premises.

C (a family friend who is injured while playing volleyball in an insured's backyard) YOUR ANSWER

In this case, the family friend is injured while engaging in a recreational activity on the insured’s property. Coverage F is applicable as it covers injuries sustained by guests or visitors, reinforcing the policy’s intent to provide medical payments to others.

D (an insured's nanny who is accidentally injured while doing personal shopping) CORRECT

This choice is excluded from Coverage F because the nanny is considered an employee of the insured. Injuries sustained by employees during activities outside of their work duties are not covered under this provision of the policy.

Conclusion

Coverage F-Medical Payments to Others under an HO-3 Policy is intended to address injuries to individuals who are not employed by the insured and who are injured on the insured's property or due to the insured’s activities. Among the provided choices, the nanny's injury while shopping personally is excluded, highlighting the policy's limitation on coverage for employees. Understanding these nuances is crucial for both policyholders and claimants when navigating insurance claims.

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