What it does
Extends personal liability and medical payments to a scheduled incidental occupancy (office, studio, private school) at another residence of the insured, such as a second home, which the business exclusion would otherwise remove.
Who needs it
Insureds with a secondary residence used in part for a small studio, office or teaching activity.
Quoting and selling notes
- It provides liability only; property at the other location needs its own policy.
- Use HO 04 42 for the same exposure at the residence premises, HO 07 01 for a fuller home business package.
Editions and availability
Editions in use and where they apply: 03 22 (42 jurisdictions); 10 00 (11 jurisdictions: AL, CA, CT, FL, GA, HI, LA, NC, PR, TX, VI).
Section II changes affect umbrella placement. The ISO personal umbrella (DL 98 01) needs its own excess endorsements for business pursuits, home business, home day care and home-sharing exposures, so confirm the umbrella responds before relying on a homeowners endorsement for a business-type exposure.
