Los Angeles Claims Adjuster Property and Causality Practice Exam

Which exclusion applies to any insured person in Coverage C?

1. Volunteer workers only

2. Employees on the premises

3. Any insured, except volunteer workers

4. Guests visiting the premises

The correct answer is: Any insured, except volunteer workers

The correct choice identifies that the exclusion applies to any insured person, which includes all individuals who are considered insured under Coverage C, except for volunteer workers. Coverage C typically pertains to personal property and may have certain exclusions depending on the circumstances under which a claim is made. Focusing on the logic behind why this answer is appropriate, any insured living in or using the property could potentially make claims regarding personal property. This inclusion extends to family members and others residing at the premises, which is significant when identifying who is covered under this portion of a policy. The distinction that volunteer workers are not included reflects a broader insurance principle that personal liability does not extend to those not receiving remuneration or who are there in a non-capacity role, unlike the insured individuals. While the other options specify various groups of people, they do not align with the broader context established under Coverage C. By confirming this specific exclusion for insured persons — encompassing most individuals associated with the policyholder — it ensures clarity in coverage boundaries while still allowing for certain exceptions like that of volunteer workers. This helps adjusters understand the nuances of policy language and apply it judiciously during the claims process.