1.1                          A bill for an act 
  1.2             relating to insurance; prohibiting certain 
  1.3             underwriting practices in homeowner's insurance; 
  1.4             amending Minnesota Statutes 2002, section 65A.30. 
  1.5   BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA: 
  1.6      Section 1.  Minnesota Statutes 2002, section 65A.30, is 
  1.7   amended to read: 
  1.8      65A.30 [DAY CARE SERVICES; COVERAGE.] 
  1.9      Subdivision 1.  [NO COVERAGE.] There shall be no coverage 
  1.10  under a day care provider's homeowner's insurance for losses or 
  1.11  damages arising out of the operation of day care services unless:
  1.12     (1) specifically covered in a policy; or 
  1.13     (2) covered by a rider for business coverage attached to a 
  1.14  policy. 
  1.15     For purposes of this section, "day care" means "family day 
  1.16  care" and "group family day care" as defined in Minnesota Rules, 
  1.17  part 9502.0315.  "Day care" does not include care provided by an 
  1.18  individual who is related, as defined in Minnesota Rules, part 
  1.19  9502.0315, to the person being cared for or care provided by an 
  1.20  unrelated individual to persons from a single family of persons 
  1.21  related to each other. 
  1.22     Subd. 2.  [PROHIBITED UNDERWRITING PRACTICES.] No insurer 
  1.23  shall refuse to renew, or decline to offer or write, homeowner's 
  1.24  insurance coverage solely because the property to be covered 
  1.25  houses day care services for five or fewer children.  
  2.1      Sec. 2.  [EFFECTIVE DATE.] 
  2.2      Section 1 is effective January 1, 2005, and applies to 
  2.3   coverage applied for, issued, or renewed on or after that date.