SCHWARTZ, Judge.
Milton Gaynor is primarily a banker and an insurance man. He also individually owns among other properties, an apartment complex called the North Miami Villas, which he runs through a general manager, and from which he derives all the profits. We agree with the trial judge that, as a matter of law, Gaynor is not covered by his umbrella personal liability policy for an accident arising out of the operation of the apartment house,
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