Question 83

A child in the insured's care is cut by a piece of glass

Bodily injury to a child in the insured's care, such as being cut by a piece of glass, would be covered by the Home Day Care Coverage Endorsement to the Homeowners Policy. This endorsement is designed to provide liability coverage for accidents that occur while children are under the care of the insured.

A) A child in the insured's care is physically abused by an insured

This option is incorrect because abuse perpetrated by an insured is generally excluded from coverage under homeowners policies. Such actions are considered intentional and therefore not covered by liability insurance.

B) A child in the insured's care is cut by a piece of glass

This option is correct as it describes an accidental injury occurring during the provision of day care services. The endorsement explicitly covers incidents that result in bodily injury to children under the care of the insured, making it a valid claim.

C) A pedestrian is hit by an automobile that is transporting a child in the insured's care

This option is incorrect since it pertains to an automobile accident rather than an incident that occurs within the home day care setting. The Home Day Care Coverage Endorsement does not extend to injuries resulting from automobile-related incidents.

D) A home day care employee is injured

This option is incorrect because injuries sustained by employees are typically covered under workers' compensation insurance rather than the Home Day Care Coverage Endorsement. The endorsement focuses on liability for injuries to children in care rather than injuries to staff.

Conclusion

The correct answer is B, as it directly relates to an accidental injury sustained by a child in the insured's care, which falls under the coverage provided by the Home Day Care Coverage Endorsement. Options A, C, and D are clearly outside the scope of this endorsement, either involving intentional acts or scenarios not covered by homeowner policies.