Business Use in an Other Structure

April 18, 2011

This question is in regards to Coverage B – Other Structures and specifically exclusion 2.c. Other structures from which any business is conducted. Up for debate is what constitutes "conducted". We have an insured that is a consultant and has an office on the second level of his detached garage. He has two computers and a fax machine and does work out of this office (as far as checking emails, faxing, etc). He does not ever meet with clients at this location, however. He does travel and always meets with his clients at their location. He does not have a separate business address or any other location to which he reports. His family also uses this office for personal use of the computer and fax machine. In your opinion would the exclusion apply in this scenario?