What it does
Covers personal liability arising from the insured's described occupation for another employer, otherwise excluded as "business".
Who needs it
Dwelling-program insureds who want the same business pursuits coverage homeowners buyers get with HO 24 71.
Quoting and selling notes
- Does not cover a business the insured owns.
How the personal liability supplement fits
The dwelling property forms (DP 00 01, DP 00 02, DP 00 03) carry no liability coverage. DL 24 01 supplies personal liability and medical payments to others, with DL 24 03 (schedule) and DL 24 02 (additional policy conditions) used when it is written on its own. The DL 24 xx endorsements then mirror the homeowners Section II options: additional rental residences (DL 24 04), business pursuits (DL 24 05), incidental occupancies (DL 24 09), additional insureds (DL 24 10), non-owner-occupied premises (DL 24 11) and home day care (DL 24 16 / DL 24 17).
Editions and availability
Current edition 12 02, replacing 07 88. Carriers adopt ISO editions state by state, so an in-force policy may carry an older edition.
