46. After carefully considering her options, Esmeralda decided to purchase a separate watercraft pollicy on her 75-horsepower inboard-outdrive boat rather than add watercraft coverage to her homeowners policy because the watercraft policy provides coverages not available in a homeowners policy, even with an endorsement. Which of the following is not avaliable in a boatowners or a homeowners policy? 1. Bodily injury liability b. Pollution liability c. Uninsured boatowners d. Wreck removal 47. Douglas sometimes takes personal friends and his own business colleagues fishing on an inboard/outboard boat that he owns. Of course, he does not charge them, although he might ask them to bring the beer. On other occasions, a complete stranger hires him to take a small group fishing. What type of insurance should Douglas have to cover these exposures? a. An unendorsed homeowners policy provides adequate coverage. b. A homeowners policy with the Watercraft (HO 24 75) endorsement will address his needs. c. Douglas should purchase a separate boatowners policy because of various business exclusions in a homeowners policy. d. Douglas should purchase a commercial boatowners policy