Hello, does anyone know of any carriers that will issue an HO3 with a child care business? The business does have a GL policy through USLI, however I do not have any HO carriers that will accept the home with the business. Our insured currently has a DP3 through Lloyds excluding all liability. As you can see there is a gap in coverage for nonbusiness related liability.
HO3 but Daycare on Premise
- Thread starter khang.mis
- Start date
How many children are in the child care? If its over 6, this becomes very tough. If its under 6, some carriers will allow endorsing the child care facility onto the homeowners. Over 6, its a full fledged business and I don't know of any that will allow this.
Of course, its been a while since I looked for this, someone out there must do it.
Dan
Of course, its been a while since I looked for this, someone out there must do it.
Dan
- 134
Erie will do it if they write the GL for the day care. Not sure what state you are in though.
- Thread starter
- #4
- 385
HO could get dragged into a lawsuit regardless. I'd tell your client to lease space away from the house and setup an llc.
