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 homeowner's yard.

Answer: B