Jerry and Lois Gower own and operate the Gower Painting Co. The couple is insured under a Home- owners 3 policy with no special endorsements. The policy has a $100,000 per occurrence limit for per- sonal liability and a $1000 limit for medical payments to others. For each of the following situations, indi- cate to what extent, if any, the loss is covered under Section II of their homeowners policy.

a. Jerry left a ladder standing against a house that he was painting. When Jerry went to lunch, a small child, age 7, climbed the ladder and was seriously injured when the ladder collapsed. Jerry is sued by the child's parents for $200,000.

b. Lois accidentally fell off the roof of a second story house that she was painting and injured her leg. She incurred medical expenses of $3000.

c. The couple's daughter, Jennifer, age 22, attends college at a large Midwestern university. While playing softball, Jennifer made a hard slide into second base and accidentally injured the opposing "player. The injured player claims Jennifer intended to injure her and sues Jennifer for $50,000.

d. Lois has a basset hound, Huey, for a pet. Huey is a friendly, docile dog and loves people. One morning, Lois carelessly left the backyard gate open, and Huey escaped from the fenced yard. A neighbor tried to catch the dog, and Huey bit him on the hand and leg. The neighbor incurred medical bills of $800. Lois is later sued by the neighbor for $50,000 when the dog bite became infected and did not heal.

e. Jerry is playing golf with a friend who is riding in a golf cart that he is operating. The cart overturned when Jerry carelessly ran into a wooded area on the outside of the fairway and hit a tree. Jerry's friend is seriously injured and sues Jerry for $150,000.