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Identify the coverage that applies for the following loss events. Assume that the appropriate coverage has been purchased.

Choices for coverage:

1. HO-3 Section I Coverage A
2. HO-3 Section I Coverage B
3. HO-3 Section I Coverage C
4. HO-3 Section I Coverage D
5. HO-3 Section II Coverage E
6. HO-3 Section II Coverage F
7. HO-3 Section I Additional Coverages
8. Personal Auto Policy Part A
9. Personal Auto Policy Part B
10. Personal Auto Policy Part C
11. Personal Auto Policy Part D
12. Personal Injury Liability Endorsement
13. Scheduled Personal Property Endorsement
14. Underinsured Motorist Coverage Endorsement
15. Workers Compensation
16. Professional Liability
17. Commercial Property Insurance
18. Not covered by your insurance policies

1. _______ While parking your Honda Civic in the Millenium Park Garage, you scrape the passenger side against a concrete pillar.
2. _______ Your six-year-old son and his friend are playing tag in your yard when the friend trips and hits his head on the concrete walk. You take him to the ER where he gets two stitches to close up the gash in his forehead.
3. _______ In order to avoid a head-on collision, you swerve and sideswipe a parked car, causing $5,000 damage to the parked car.
4. _______ During a severe snowstorm, the weight of the snow causes the roof on your detached garage to collapse.
5. _______ A thief breaks into your house and steals your diamond earrings and necklaces, valued at $5000.
6. _______ Your full-time (40 hours per week) nanny, who has a policy with split limits of 25/50/20 in compliance with the state compulsory auto insurance law, is injured while driving your kids to dance class in your car.
7. _______ Your teenage son is driving your Mercedes when he is T-boned by a driver from California, who has a policy with split limits of 15/30/5. Your policy has split limits of 100/300/50. Your son is not injured, but the damage to the vehicle costs $10,000 to repair.
8. _______ During a severe cold spell, ice dams form in the gutters at the roof of your house, causing very large icicles to form. The weight of the icicles causes your gutters to collapse and damages your roof.
9. _______ When your gutters collapse, a large icicle lands on your car parked in the driveway, shattering the windshield and denting the hood.
10. _______ The icicles also drip onto your front steps, covering them in a sheet of ice. A friend slips and falls on the ice on your front steps, fracturing her shin.
11. _______ You are ordered to evacuate your California home due to the approaching wildfire.
12. _______ Your sons laptop computer is stolen from his college dorm room.
13. _______ While getting into your Toyota Prius after a party, one of your friends slams the door on another friend, breaking 3 of her fingers.
14. _______ You are driving in a heavy rainstorm and lose control while making a left turn, skidding off the road onto someones lawn, smashing their mailbox and two lawn ornaments.
15. _______ A local restaurant sues you for slander when your teenage daughter posts scathing comments about the restaurant on social media.
16. _______ After earning your FSA designation, you decide to open an independent consulting practice, using a room in your home for an office. Your laptop, which you use exclusively for your consulting practice, is stolen from your car when you stop at the grocery store on your way back from a meeting with a client
17. _______ A client gets upset when you determine that their defined benefit pension plan is underfunded and that the contribution to the plan this year must be significantly larger than last year. The client decides to sue you.
18. _______ You own a restaurant, and a riot breaks out nearby. The rioters break your windows and damage your tables and chairs.
19. _______ During the riot, one of your employees is injured by the flying glass.
20. _______ The damage from the riot forces you to close the restaurant for a month.
21. _______ You spend extra money on advertising to promote your re-opening
22. _______ You own a two-flat, and you live on the first floor and rent out the second floor. A hailstorm breaks some windows on the second floor.
23. _______ The hail coming in through the broken windows damages some furniture that you provided for your tenant.
24. _______ The hail also damages your tenants large screen TV.
25. _______ You hire a company to board up the broken windows while you are waiting for the windows to be replaced

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