All of the following losses are excluded from coverage under section II of an unendorsed Homeowners 3 policy EXCEPT:
A. The homeowner's son was injured when he fell of a swing in the homeowner's yard
B. Phyllis, a medical technician, misread a lab test and the patient is suin her.
C. Violet runs a for-profit daycare service in her home. The parents of a chold injured while in Violet's care are suing Violet.
D. While usig his canoe, Bert hit another canoe. The other canoe sank. Bert is being sued.