Which clause may deny coverage based on an insured’s occupation or hobbies?

The Hazardous Occupation or Hobby Clause is specifically designed to address the additional risks that certain occupations or hobbies may pose to insurers. This clause allows insurance companies to deny coverage or limit benefits if the insured engages in high-risk activities such as scuba diving, skydiving, or certain dangerous professions like logging or mining.

This clause exists because insurers evaluate the risk associated with insuring individuals based on their activities. If someone's occupation or hobbies present a heightened risk of injury or death, the insurer may choose to limit coverage to manage their potential financial exposure. As such, this clause directly relates to the types of activities that can impact the validity of an insurance claim based on the insured person's involvement in hazardous fields.

The other options are focused on different aspects of insurance coverage. The Suicide Clause pertains to exclusions related to suicide within a specific timeframe after policy inception. The Aviation Rider typically addresses coverage for pilots or crew in aviation-related activities. The Automatic Premium Loan Rider affects policy premiums and loans but is not related to the insured’s occupation or hobbies.