("business pursuits" clause in insured's homeowner insurance policy applies and insured did not have coverage for fatal injuries sustained by 17-year old girl when attacked by insured's Siberian tiger during high school senior picture shoot (for which no fee was charged by insured) on insured's farm that was used as a animal sanctuary; accident arose out of operation of business pursuit of insured; no business insurance policy in effect at time attack occurred; insured held himself out to be a professional animal trainer and activity not merely a hobby and was operated with profit motive).