Opinion ID: 6338497
Heading Depth: 3
Heading Rank: 2

Heading: Provide a defense at our expense by counsel

Text: of our choice, even if the suit is groundless, false or fraudulent. We may investigate and settle any claim or suit that we decide is appropriate. Our duty to settle or defend ends when the amount we pay for damages resulting from the “occurrence” equals our limit of liability. Relevant here, the policy excludes “bodily injury” … [a]rising out of or in connec- tion with a “business” 3 engaged in by an “in- sured.” This exclusion applies but is not limited to an act or omission, regardless of its nature or circumstance, involving a service or duty ren- dered, promised, owed, or implied to be pro- vided because of the nature of the “business.” 1 The policy defines “bodily injury” as “bodily harm, sickness or disease, including required care, loss of services and death that results.” 2 The policy defines “occurrence” as “an accident, including continuous or repeated exposure to substantially the same general harmful conditions, which results, during the policy period, in … ‘[b]odily injury’ … or ‘[p]roperty damage.’” 3The policy defines “business” as “includ[ing] trade, profession or occupation.” 4 No. 21-1665 A separate endorsement states, “NO SECTION II – LIABILITY COVERAGES FOR HOME DAY CARE BUSINESS” and “LIMITED SECTION I – PROPERTY COVERAGES FOR HOME DAY CARE BUSINESS.” More specifically, If an “insured” regularly provides home day care services to a person or persons other than “insureds” and receives monetary or other com- pensation for such services, that enterprise is a “business.” Mutual exchange of home day care services, however, is not considered compensa- tion. The rendering of home day care services by an “insured” to a relative of an “insured” is not considered a “business.” Therefore, with respect to a home day care en- terprise which is considered to be a “business,” this policy … [d]oes not provide Section II – Li- ability Coverages because a “business” of an “insured” is excluded under exclusion 1.b. of Section II – Exclusions[.] Notably, this day care endorsement states “THIS ENDORSEMENT DOES NOT CONSTITUTE A REDUCTION OF COVERAGE.”