Question 29

Coverage F-Medical Payments to Others does not apply to an insured's nanny who is accidentally injured while doing personal shopping.

Under an HO-3 Policy, Coverage F is designed to cover medical payments for injuries sustained by others on the insured's property or due to the insured's actions. However, it does not extend to injuries sustained by individuals who are employed by the insured, such as a nanny, when those injuries occur outside the scope of their employment duties.

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

This option is incorrect because Coverage F would apply in this scenario. A mail carrier is a visitor to the property and, if injured by a dog owned by the insured, would be eligible for medical payments under the policy.

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

This option is also incorrect as Coverage F would apply here. The meter reader is an invited guest performing their job duties on the property, and injuries incurred as a result of the insured's negligence (e.g., leaving a skateboard in the way) would be covered.

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

This choice is incorrect as well. A family friend is categorized as a guest, and injuries sustained in the insured's backyard while engaging in recreational activities would typically be covered under Coverage F.

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

This option is correct because Coverage F does not apply to injuries sustained by employees of the insured while they are engaged in activities outside of their employment duties. Since the nanny is injured while doing personal shopping, the policy does not provide coverage.

Conclusion

In conclusion, the correct answer is D, as it highlights the limitation of Coverage F regarding injuries to employees during non-work-related activities. Options A, B, and C are valid claims under Coverage F, as they involve guests or individuals invited onto the property, while D explicitly states a situation where Coverage F does not apply due to the nature of the relationship and circumstances of the injury.