What it does
Extends liability coverage to listed personal injury offenses, subject to exclusions including business and contractual liability.
Who needs it
Homeowners concerned about defamation or privacy claims, including landlords (wrongful eviction).
Quoting and selling notes
- Personal injury committed in the course of a business, including online business activity, remains excluded.
- The 2022 program also has HO 24 89 and aggregate-limit versions HO 24 10 and HO 24 49.
Editions and availability
Editions in use and where they apply: 03 22 (34 jurisdictions); 05 11 (5 jurisdictions: AL, CA, GA, HI, VI); 04 02 (1 jurisdiction: PR).
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.
