If an insured regularly provides home day care services to a person or persons other than insureds and receives monetary or other compensation for such services, that enterprise is a business. Mutual exchange of home day care services, however, is not considered compensation. The rendering of home day care services by an insured to a relative of an "insured" is not considered a business.

Therefore, with respect to a home day care enterprise which is considered to be a business, this policy:

1. Does not provide Section II-Liability Coverages because a business of an insured is excluded under exclusion 1.b. of Section II-Exclusions;

2. Does not provide Section I-Coverage B coverage where other structures are used in whole or in part for business;

3. Limits coverage for property used on the residence premises for the home day care enterprise to $2,500, because Coverage C-Special Limits of Liability- Item 8. imposes that limit on business property on the residence premises. (Item 8. corresponds to item 5.in Form HO 00 08.);

4. Limits coverage for property used away from the "residence premises" for the home day care enterprise to $250, because Coverage C-Special Limits of Liability- Item 9. Imposes that limit on "business" property away from the "residence premises." Special Limit of Liability Item 9. does not apply to adaptable electronic apparatus as described in Special Limit of Liability Items 10. and 11. (Items 9., 10. and 11. correspond to items 8., 9. and 10. respectively in our Premier Select Policy.)