RULE 35.9J - HOME DAY CARE COVERAGE (CO 04 97)
Applies
to: Premier - YES, Premier Plus - YES, Premier Select - YES,
Premier Condo
- YES, Premier Renters - NO
The policy may be endorsed to cover the Section II - Liability Coverages exposure arising from a home day care business on the residence premises. A day care business involving the care of more than three persons for which monetary or other compensation is received is not eligible. The endorsement provides for an annual aggregate limit of liability for Coverage E - Personal Liability and Coverage F - Medical Payments to Others combined. Coverage F - Medical Payments to Others is subject to a sublimit of liability which applies per person/per accident and does not increase the aggregate limit of liability.
The combined aggregate limit of liability for this exposure is the same as the amount of Coverage E - Personal Liability written. The Coverage F - Medical Payments to Others sublimit for this endorsement is the same as the amount of Coverage F - Medical Payments to Others written. Calculate the additional premium by multiplying $100 by the appropriate factor indicated in Rule 35.7B.
In addition, if the limit for Coverage F - Medical Payments to Others is other than $1,000, add the appropriate additional amount indicated in Rule 35.8B to the result calculated above.
If the home day care is provided in another structure on the residence premises, calculate the additional premium for the Section I - Property Coverages exposure in accordance with Rule 35.3G.
The
appropriate CO 04 97 Home Day Care Coverage Endorsement will be attached to the
policy.
