Joseph is the named insured under a Homeowners 3 policy (special form) with a liability limit of $100,000 per occurrence and a $1000 limit for medical payments to others. For each of the following situations, explain whether the loss is covered under Section II of Joseph's homeowners policy.

a. Joseph is a self-employed accountant who works out of his home. One of Joseph's clients sues him for negligence in the preparation of a tax return and is awarded a $3000 judgment against him.

b. Joseph's 25-year-old son, who recently married and now lives in his own apartment, negligently kills another hunter in a hunting accident. The son is sued for $1 million in a wrongful-death lawsuit.