Personal liability insurance under the HO-3, Section II, protects: Select all that apply Anyone on the property who injures another person The named insured and family members against legal liability arising-out of their-personal acts The mortgagee for its personal acts arising out of home ownership The negligent operation of the named insured's vehicle Question 8 All of the following types of losses could be covered under the personal liability coverage of a homeowner's policy except: Select all that apply Your dog bites a child. You accidentally back your car into your neighbor's fence. Your guest falls down your stairs because the light on the stairwell is burned out. Your child hits a baseball into your neighbor's stained-glass window, destroying it. All of the following forms are current Homeowners (HO) forms except: Select all that apply HO-2 broad form HO-3 special form HO-4 contents broad form HO-7 modified coverage form Question 10 This coverage pays the bodily injury damages up to the policy limits that the insured is legally entitled to recover from another uninsured owner or operator of a boat: Select all that apply Medical payments coverage Uninsured boaters' coverage Workers compensation coverage Yacht insurance Since it is unrealistic for insurers to avoid all catastrophic losses, one of the main approaches insurers take to manage a catastrophic loss such as a hurricane include: Select all that apply Policy exclusions Actuarial studies Return-to-work programs Reinsurance Question 12 The cause of loss basic forms covers all of the following except: Select all that apply Weight of ice and snow Fire Lightening Sinkhole collapse