What it does
Removes personal liability and medical payments coverage for injury or damage caused by the scheduled dog(s).
Who needs it
Households with dogs an underwriter will not cover for liability.
Quoting and selling notes
- Explain the gap clearly and consider a specialty animal liability policy; an umbrella endorsed with DL 99 03 will not fill it.
Editions and availability
Editions in use and where they apply: 03 22 (38 jurisdictions); 05 11 (8 jurisdictions: AL, CT, FL, GA, HI, LA, TX, WA).
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.
