For which situation would a rider or endorsement to a homeowner’s poli

QUESTION

For which situation would a rider or endorsement to a homeowner’s policy be appropriate to cover a home business?

A) a dog groomer with grooming stations set up in the basement
B) a personal trainer with fitness equipment in the basement and clients coming and going
C) a tax preparer who has a few customers coming in every day
D) a book editor working on a computer in a spare bedroom
E) a dentist who converted her garage into a treatment room and reception area

ANSWER

Answer: D
Explanation: D) Some specific matters, such as your computer system or accounts receivable records, can be covered by asking your insurance agent for a specific endorsement or rider added to your renter’s or homeowner’s policy. A book editor would have a computer system, possibly copies of manuscripts, and financial records but little else. All other answer choices represent businesses that have customers in and out and that have special equipment or confidential records to maintain.