What it does
Provides liability and medical payments coverage for the business activities of an insured who works for someone else in a described occupation (for example, a clerical worker, salesperson, collector or teacher). It does not cover a business the insured owns or controls.
Who needs it
Employees whose job exposes them to personal claims, such as teachers, sales representatives and office staff.
Key provisions and limits
- Occupations and any optional coverages are shown in the schedule; professional services and businesses owned by the insured remain excluded.
Quoting and selling notes
- Most employees are covered by the employer's liability policy; this endorsement fills gaps for personal suits. Pair with DL 98 05 for umbrella excess.
- Some carriers automatically add a computer-related damage exclusion with it.
Editions and availability
Editions in use and where they apply: 03 22 (41 jurisdictions); 10 00 (12 jurisdictions: AL, CA, CT, FL, GA, HI, LA, NC, PR, TX, VI, WA).
Section II changes affect umbrella placement. The ISO personal umbrella (DL 98 01) needs its own excess endorsements for business pursuits, home business, home day care and home-sharing exposures, so confirm the umbrella responds before relying on a homeowners endorsement for a business-type exposure.
