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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
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the dwelling as described in the Declarations |
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an Other Structure
(described) |
SECTION I
- 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 $
*
- 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" an d"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:
- 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;
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(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.
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