What it does
Covers California workers compensation obligations for the insured's residence employees (such as domestic workers) through the personal liability policy.
Who needs it
California dwelling-program insureds who employ residence employees.
Quoting and selling notes
- Business employees are not covered; a commercial workers compensation policy is required for them.
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 11 26, replacing 05 04. State-specific form for CA.
