What it does
Raises the valuable papers and records limit provided by HO 07 01.
Who needs it
Home businesses with client files and records that would be costly to reconstruct.
Quoting and selling notes
- For broader perils use HO 07 57.
Editions and availability
Editions in use and where they apply: 03 22 (41 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.
