Suppose you have a boat and you use the boat as a way of showing off your wealth to attract young women. Suppose further that you engage in activities such that a sexually transmitted disease is transfered to an attractive young woman. Should your boat owners’ insurance cover this claim? The contract does say that it covers any “claim or suit covered under this policy for bodily injury or property damage for which any insured person becomes legally liable through the ownership, maintenance or use of the insured boat."
Should we argue that it is ambiguous and that we should interpret the contract to allow coverage? See Frank Synder’s discussion at ContractsProf Blog.