Which endorsement provides coverage for a home-based day care business?

The home day care coverage endorsement is specifically designed to provide liability coverage for individuals who operate a day care service from their residence. This endorsement extends the liability protection of a homeowners policy to include incidents that may occur as a result of operating a day care, such as injuries to children in care or damages related to the day care operations. This is crucial for homeowners who wish to run a day care, as general homeowners insurance may not cover liabilities associated with business activities conducted at home.

The other options do not specifically address the unique needs associated with a home-based day care business. For example, while the home office coverage endorsement focuses on providing support for home-based businesses in general, it does not cater to the specific risks and liabilities associated with child care. Similarly, personal liability endorsements and child care liability coverage, while they might offer some form of liability protection, do not specifically provide the targeted support that home day care coverage does, highlighting the importance of this specific endorsement for individuals in that line of work.