What it does
Excludes the personal and advertising injury coverage provided by HO 07 01.
Who needs it
Home businesses where the underwriter will not offer advertising injury.
Quoting and selling notes
- Explain the gap for businesses that advertise online.
- Offer a BOP or CGL when the client needs advertising injury coverage.
Editions and availability
Editions in use and where they apply: 03 22 (40 jurisdictions); 10 00 (9 jurisdictions: AL, CA, CT, FL, GA, HI, NC, TX, VI).
A homeowners policy is not built for commercial exposures. Workers compensation for employees, business auto, professional liability and larger product or premises exposures need commercial policies; use homeowners endorsements only for incidental activity and move growing businesses to a BOP or CGL program.
