Answer :
a) You advise your client that complete operations are not covered.
A standard home policy contains a clause in Section II that says your insurance provider will defend you and hold you harmless if you wind up having to pay a third party for specific "bodily injury" or "property damage" brought on by an "event."
Standard homeowners insurance defines "bodily harm," "property damage," and "occurrence" in precise ways. In most policies, "bodily injury" refers to harm to a person's physical integrity, whereas "property damage" refers to harm to tangible goods. Typically, an "incident" is referred to as an "accident." As a result, the insured is not responsible for any physical harm or property damage they knowingly inflict.
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