Minnesota Session Laws - 2004, Regular Session

                            CHAPTER 239-S.F.No. 1922 
                  An act relating to insurance; regulating underwriting 
                  of homeowner's insurance; amending Minnesota Statutes 
                  2002, section 65A.30. 
        BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA: 
           Section 1.  Minnesota Statutes 2002, section 65A.30, is 
        amended to read: 
           65A.30 [DAY CARE SERVICES; COVERAGE.] 
           Subdivision 1.  [NO COVERAGE.] There shall be no coverage 
        under a day care provider's homeowner's insurance for losses or 
        damages arising out of the operation of day care services unless:
           (1) specifically covered in a policy; or 
           (2) covered by a rider for business coverage attached to a 
        policy. 
           For purposes of this section, "day care" means "family day 
        care" and "group family day care" as defined in Minnesota Rules, 
        part 9502.0315.  "Day care" does not include care provided by an 
        individual who is related, as defined in Minnesota Rules, part 
        9502.0315, to the person being cared for or care provided by an 
        unrelated individual to persons from a single family of persons 
        related to each other. 
           Subd. 2.  [PROHIBITED UNDERWRITING PRACTICES.] No insurer 
        shall refuse to renew, or decline to offer or write, homeowner's 
        insurance coverage solely because the property to be covered 
        houses day care services for five or fewer children.  
           Sec. 2.  [EFFECTIVE DATE.] 
           Section 1 is effective January 1, 2005, and applies to 
        coverage applied for, issued, or renewed on or after that date. 
           Presented to the governor May 15, 2004 
           Signed by the governor May 19, 2004, 2:15 p.m.