What's Not Covered

Damages arising out of the ownership, maintenance, use, loading, unloading, or towing of any aircraft, except aircraft with crew chartered by you;
Property damages to aircraft rented to, owned by, or in the care, custody, or control of a covered person;
Damages arising out of the ownership, maintenance, use, loading, unloading, or towing of any hovercraft;
Property damages to hovercraft rented to, owned by, or in the care, custody, or control of a covered person;
Damages arising out of the ownership, maintenance or use of any motorized land vehicle:
during any instruction, practice, preparation for, or participation in, any competitive, prearranged or organized racing, speed contest, rally, gymkhana, sports event, stunting activity, or timed event of any kind; or
on a racetrack, test track, or other course of any kind.
Damages arising out of the ownership, maintenance or use of any watercraft or aircraft during any instruction, practice, preparation for, or participation in, any competitive, prearranged or organized racing, speed contest, rally, sports event, stunting activity, or timed event of any kind. This exclusion does not apply to you or a family member for sailboat racing, even if the sailboat is equipped with an auxiliary motor.
Damages arising out of the ownership, maintenance, or use of a motorized land vehicle by any person who is employed or otherwise engaged in the business of selling, repairing, servicing, storing, parking, testing, or delivering motorized land vehicles. This exclusion does not apply to you, a family member, or your employee or an employee of a family member for damages arising out of the ownership, maintenance, or use of a motorized land vehicle owned by, rented to, or furnished to you or a family member.
Damages arising out of the ownership, maintenance, or use of a watercraft by any person who is engaged by or employed by, or is operating a marina, boat repair yard, shipyard, yacht club, boat sales agency, boat service station, or other similar organization. This exclusion does not apply to damages arising out of the ownership, maintenance, or use of a watercraft by you, a family member, or your or a family member's captain or full-time paid crew member maintaining or using this watercraft with permission from you or a family member.
Damages owed to any person or organization, other than you or a family member or your or a family member's employees, with respect to the loading or unloading of motorized land vehicles or watercraft.
Damages a covered person is legally:
required to provide; or
voluntarily provided under any:
workers' compensation;
disability benefits;
unemployment compensation; or
other similar laws.

Damages for any covered person's actions or failure to act as an officer or member of a board of directors of any corporation or organization. However, the Plan does cover such damages if you are or a family member is an officer or member of a board of directors of a:
homeowner, condominium, or cooperative association; or
not−for−profit corporation or organization for which he or she is not compensated;

Damages owed to any person for property damage to property owned by any covered person.
Damages owed to any person for property damage to property rented to, occupied by, used by, or in the care of any covered person, to the extent that the covered person is required by contract to provide insurance. But the Plan does cover such damages for loss caused by fire, smoke, or explosion unless another exclusion applies.
Damages arising out of a wrongful employment act. A wrongful employment act means any employment discrimination, sexual harassment, or wrongful termination of any residential staff actually or allegedly committed or attempted by a covered person while acting in the capacity as an employer, that violates applicable employment law of any federal, state, or local statute, regulation, ordinance, or common law of the United States of America, its territories or possessions, or Puerto Rico.
Damages arising out of discrimination due to age, race, color, sex, creed, national origin, or any other discrimination.
Damages arising out of a willful, malicious, fraudulent, or dishonest act or any act intended by any covered person to cause personal injury or property damage, even if the injury or damage is of a different degree or type than actually intended or expected. But the Plan does cover such damages if the act was intended to protect people or property unless another exclusion applies. An intentional act is one whose consequences could have been foreseen by a reasonable person.
Damages arising out of any actual, alleged, or threatened:
sexual molestation;
sexual misconduct or harassment; or
abuse.
Damages owed to any person who uses a motorized land vehicle or watercraft without permission from you or a family member;
Any damages arising out of a covered person's business pursuits, investment or other for−profit activities, for the account of a covered person or others, or business property except on a follow form basis. But the Plan does cover damages arising out of volunteer work for an organized charitable, religious, or community group, an incidental business away from home, incidental business at home, incidental business property, incidental farming, or residence premises conditional business liability unless another exclusion applies. The Plan also covers damages arising out of your or a family member's ownership, maintenance, or use of a private passenger motor vehicle in business activities other than selling, repairing, servicing, storing, parking, testing, or delivering motorized land vehicles.