all of the following losses are excluded from coverage under Section II of an unendorsed homeowners 3 policy except

A)Phyllis, an accountant at local hospital, tried to help her neighbor interpret an X-ray she received from her doctor. Phyllis was wrong and the neighbor injured her foot more severely, and then sued Phyllis for the additional medical costs.

B) While using his canoe, Bert hit another canoe. The other canoe sank. Bert is being sued.

C) Violet runs a for-profit daycare service in her home. The parents of a child injured while in Violet's care are suing Violet.

D) The homeowner's son was injured when he fell off a swing in the homeowner's yard.

E) Both A and B are covered