What it does
Excludes liability arising out of a home day care business conducted by an insured.
Who needs it
Attached by carriers that do not insure home day care; the client must buy commercial day care liability or DL 24 17 if offered.
Quoting and selling notes
- Ask about babysitting or day care in every rental and owner-occupied dwelling file.
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.
