Id. (internal quotation omitted). Edmunds was using his personal vehicle to carry supplies for a family event. He had known Jones for many years and agreed to deliver beer to her as a personal favor. Bantum accompanied Edmunds in order to help him unload beer, soda, and ice for the barbecue. Although Jones paid Edmunds for the beer he dropped off, nothing about the transaction indicates that the beer delivery to Jones in Edmunds’ personal vehicle was anything other than an isolated incident in which Edmunds performed a favor for a friend and for which he received no compensation beyond the wholesale cost of the beer. Thus, the District Court was correct that, under the factors articulated in Davis, the business use exclusion in Edmunds’ policy does not apply. See 614 A.2d at 279 (<HOLDING>). III. Conclusion As the District Court’s
holding that an ownedproperty exclusion did not apply with respect to property that the insured bought only after the policy periods for which the insured sought coverage holding that business use exclusion did not apply to preclude coverage of an insured after a car accident when the insured had been transporting a refrigerator in his personal vehicle as a favor to a friend had no expectation of compensation except being reimbursed for the cost of gas and it was an isolated incident holding a personal profit exclusion applicable to an insured corporation where the purpose of the exclusion was to exclude coverage when the insured received profits to which the insured was not legally entitled holding that an insureds personal belief that he was not liable for an accident provided no basis for submitting the question of the reasonableness of his delay in notification to a jury when the insured knew the day after the accident that it had been claimed that the cable he had installed had caused the accident holding that business use exclusion precluded coverage when insured was operating a taxicab whose purpose was to carry passengers for hire even though at the time of the accident insured did not have a passenger