What it does
Provides personal injury coverage under the homeowners policy with the terms of the 03 22 edition.
Who needs it
Homeowners in 2022-program states.
Quoting and selling notes
- Check which personal injury version the carrier files.
- Offenses committed in the course of a business remain excluded, so business owners still need personal and advertising injury on their CGL or BOP.
Editions and availability
Editions in use and where they apply: 03 22 (36 jurisdictions).
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.
