All of the following losses are excluded from coverage under Section Il of an unendorsed HO-3 policy EXCEPT: a) while using his canoe, Bert hit and sank another canoe, and Bert is being sued All of the following losses are excluded from coverage under Section Il of an unendorsed HO-3 policy EXCEPT: a) while using his canoe, Bert hit and sank another canoe, and Bert is being sued