Safeco Insurance Company of America v. Hilderbrand, 602 F.3d 1159 (10th Cir. 2010)

("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).