Rhode Island Insurance Adjuster Exam

What type of incident would not be covered by a welder's homeowner's policy while at work?

1. Leakage of gas lines

2. An accidental fire caused during a project

3. Property damage while welding

4. A traffic accident while driving to a job site

The correct answer is: Property damage while welding

A welder's homeowner's policy typically covers incidents that occur within the home or on the property, rather than those that happen while the insured is engaged in professional or business activities. When it comes to property damage that occurs while welding, this falls under professional liability or commercial liability rather than personal liability. Most homeowner's policies, including those of welders, specifically exclude coverage for incidents related to business operations, such as damages resulting from welding activities performed for remuneration. In this context, an accidental fire caused during a project might be covered under other specific insurance policies related to business operations, while leakage of gas lines could potentially refer to home maintenance rather than work-related incidents. Likewise, a traffic accident while driving to a job site could be covered by an auto insurance policy rather than a homeowner's policy. Therefore, property damage while welding is not covered by the welder's homeowner's policy due to its nature as a business-related incident.