HO 24 71–BUSINESS PURSUITS ENDORSEMENT

(July 2020)

Purpose

For an additional premium, this endorsement extends Coverage E–Personal Liability and Coverage F–Medical Payments to Others to protect against the liability exposure represented by some of an insured’s business activities.

Related Article: Home Business Questionnaire

The HO 24 71 is designed for those who have a higher than normal level of business-related risk connected to their residence. However, the business-related risk must still be incidental to the residence.

Example: Jim’s company hired a consultant to help with a major project. Since Jim lives near the airport, he was asked to pick up the consultant who was flown in to discuss his plans. Jim and the consultant returned to Jim’s house in order to pick up some important papers. While leaving, the consultant tripped and fell face forward onto the cement sidewalk at the bottom of the stairs. Since Jim’s homeowner policy has the HO 24 71 endorsement attached, this loss should be covered.

Exclusions

This endorsement DOES NOT provide coverage for:

1. "Bodily injury" or "property damage" related to a "business" that is owned or controlled by an "insured." This exclusion also applies to any partnership to which an insured belongs.

2. "Bodily injury" or "property damage" liability related to professional services (except for teaching), including but not limited to the following:

· Architectural, engineering, or industrial design services

· Medical, surgical, dental, or other health services for either humans or animals

· Beauty or barber services or treatment

3. “Bodily injury" to a fellow employee of the "insured" when that injury in the course of employment.

4.a. An "insured" who belongs to any school or college staff when “bodily injury” or “property damage” arises from the maintenance, use, loading, unloading, or entrustment by the "insured" to any person of any of the following:

· Draft or saddle animals or vehicles for use with draft of saddle animals

· Aircraft

· Motor vehicles or all other motorized land conveyances

· Hovercraft

· Watercraft.

These acts are excluded whether any crafts, animals or vehicles are owned, operated, or hired by or for the "insured" or employer or used by the "insured" to train another person to operate such vehicles, animals, or crafts.

4.b. "Bodily injury" caused by corporal punishment inflicted or ordered by an "insured" who is part of a school or college faculty or teaching staff. This exclusion does not apply if the corporal punishment box in the endorsement schedule is checked.