Opinion ID: 1600
Heading Depth: 2
Heading Rank: 3

Heading: Homeowners Insurance Policy

Text: While the Billingsleys had at times carried business insurance for AEP, no business insurance policy was in effect when the attack occurred. The Billingsleys, however, did hold a Safeco homeowners insurance policy in August 2005. The homeowners policy contained language excluding losses for business activities: LIABILITY LOSSES WE DO NOT COVER 1. Coverage EPersonal Liability and Coverage FMedical Payments to Others do not apply to bodily injury or property damage : ... b. arising out of business pursuits of any insured ... This exclusion does not apply to: (1) Activities which are ordinarily incident to non- business pursuits[.]    `Business' includes trade, profession or occupation. Aplt.App. at 42, 49 (italics in original). [1] The district court denied liability coverage under this provision.