All of the Following Losses Are Excluded from Coverage Under

All of the following losses are excluded from coverage under Section II of an unendorsed Homeowners 3 policy EXCEPT

A) Phyllis,a medical technician,misread a lab test and the patient is suing her.
B) While using his canoe,Bert hit another canoe.The other canoe sank.Bert is being sued.
C) Violet runs a for-profit daycare service in her home.The parents of a child injured while in Violet's care are suing Violet.
D) The homeowner's son was injured when he fell off a swing in the homeowners's yard.