Risk & Money-In
Commercial Use Exclusion
The clause in your homeowners policy that voids coverage for business use.
Why you care
This is why the claim gets denied. Worse, a carrier can rescind back to inception for undisclosed commercial use — so you were uninsured retroactively, including for claims already paid.
Worked example
An adjuster finds the listing in ninety seconds. A denied pool-deck liability claim is six figures out of pocket.
Taught in Why Your Homeowners Policy Denies the Claim