Maude hired a general contractor to remodel her home, and the general contractor hired a subcontractor that did not have workers compensation coverage. An exclusion in Maude's homeowners policy pertains to bodily injury to any person eligible to receive any benefits voluntarily provided or required to be required by an insured under any workers compensation law. If one of that subcontractor's employees is injured while working on Maude's home, that exclusion

• a. applies because her home is an insured location.
• b. does not preclude homeowners coverage because the subcontractor's employee is not an employee of Maude, the insured.
• c. may be invoked by the injured worker or his attorney.
• d. means that Maude has no applicable coverage under her homeowners policy.