A renter in Chicago, Illinois got into a dispute with a neighbor and pushed them — the neighbor fell and fractured their elbow. Total medical and legal exposure: $67,000. The renter’s Allstate policy denied the claim entirely under the intentional acts exclusion. The renter faced the full judgment personally.
Case 4 NOT Covered: Home Business Client
A freelance photographer in Denver, Colorado used their apartment as a studio and was hosting a client shoot when the client tripped over a lighting cable and broke her ankle. The renter’s renters insurance denied the claim under the business activity exclusion. The photographer faced the claim without coverage and ultimately settled for $31,000 out of pocket. A home business liability endorsement or commercial general liability policy would have covered this.