1.1                          A bill for an act 
  1.2             relating to insurance; clarifying coverage under 
  1.3             homeowner's insurance for day care services; amending 
  1.4             Minnesota Statutes 1994, section 65A.27, subdivision 
  1.5             1; proposing coding for new law in Minnesota Statutes, 
  1.6             chapter 65A. 
  1.7   BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA: 
  1.8      Section 1.  Minnesota Statutes 1994, section 65A.27, 
  1.9   subdivision 1, is amended to read: 
  1.10     Subdivision 1.  For purposes of sections 65A.27 to 65A.29 
  1.11  65A.30 the following terms have the meanings given.  
  1.12     Sec. 2.  [65A.30] [DAY CARE SERVICES; COVERAGE.] 
  1.13     There shall be no coverage under a day care provider's 
  1.14  homeowner's insurance for losses or damages arising out of the 
  1.15  operation of day care services unless: 
  1.16     (1) specifically covered in a policy; or 
  1.17     (2) covered by a rider for business coverage attached to a 
  1.18  policy. 
  1.19     For purposes of this section, "day care" means "family day 
  1.20  care" and "group family day care" as defined in Minnesota Rules, 
  1.21  part 9502.0315.  "Day care" does not include care provided by an 
  1.22  individual who is related, as defined in Minnesota Rules, part 
  1.23  9502.0315, to the person being cared for or care provided by an 
  1.24  unrelated individual to persons from a single family of persons 
  1.25  related to each other. 
  1.26     Sec. 3.  [EFFECTIVE DATE.] 
  2.1      Sections 1 and 2 are effective the day following final 
  2.2   enactment for policies issued or renewed on or after that date.