For an additional premium, we cover the home day care business described below, conducted by an insured on the residence premises, subject to the following:

Description of Business*

No. of persons receiving day care services:______________

Business conducted in

SECTION I

1. Coverage B does not apply to the Other Structure described above.

   We cover the Other Structure described above for direct physical loss by a Peril Insured Against for not more than:

   Limit of Liability           $                           *

2. Coverage C - Persoal Property - Item 8. under Special Limits of Liability is deleted and replaced by the following:

   8. $2,500 on property, on the residence premises, used at any tiem or in any manner for any business purpose, other than furnishings, supplies and equipment of the business described above.

   The Coverage C limit of liaiblity applies to prperty of the business described above.

SECTION II

Coverage E - Personal Liability and Coverage F - Medical Payments to Others apply to bodily injury and property damage arising out of home day care services regularly provided by an insured and for which an insured receives monetary or other compensation. Section II Exclusion 1.b. does not apply to the coverage provided under this endorsement.

However, the bodily injury and property damage coverage provided under this endorsement does not apply:

1. To bodily injury or property damage arising our of the maintenance, use, loading or unloading, or entrustment by the insured to any person, of:

   (1) Draft or saddle animals or vehicles for use therewith;

(2) Aircraft;

(3) Motor vehicles or all other motorized land conveyances; or

(4) Watercraft;

owned or operated, or hired by or for the "insured" or employee or used by the insured for the purpose of instruction in the use thereof; or

b. To bodily injury to any employee of an insured arising out of the business use described above other than to a residence employee while engaged int he employee's employment by an insured.

With respect to the coverage provided by this endorsement, Section II - Conditions Items 1. - Limit of Liability and 2. - Severability of Insurance are deleted and replaced by the following:

1. Limit of Liability.

Aggregate Limit of Liability: Our total limit of liability in an annual policy period for the sum of damages payable under Coverage E and medical expense payable under Coverage F will be an annual aggregate limit of liability that corresponds to the dollar amount shown in the Declarations for Coverage E. This is the most we will pay regardless of the number of occurrences, insureds, claims made or persons injured.

Sub-Limit of Liability: Subject to the annual aggregate limit of liability described above, our total liability under Coverage F for all medical expense payable for bodily injury to one person as the result of one accident will not be more than the dollar amount shown in the Declarations for Coverage F. This Sub-Limit of Liability does not increase the Aggregate Limit of Liability.

the limits described above apply regardless of any provision to the contrary contained int hsi policy, including the policy Declarations.

2. Severability of Insurance. This insurance applies separately to each insured except with respect to the Limit of Liability. Therefore, this condition will not increase the Annual Aggregate Limit of Liability regardless of the number of insureds.

*Entries may be left blank if shown elsewhere in this policy for this coverage.

All other provisions of this policy apply.