Coverage description
An Insurance Services Office (ISO) standard form. It is a notice, not a reduction of coverage, explaining that home day care run as a business gets no Section II liability coverage, no coverage for other structures used for it, and business property limits of $2,500 on premises and $500 away.
How the form has changed
2 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
10 00 edition
Oct 2000, compared with 04 91Latest editionBusiness is redefined so that paid activities earning an insured more than $2,000 in the prior 12 months count as a business, which can include home day care.
04 91
Not in this edition
10 00
“no "insured" receives more than $2000 in total compensation”
The stated limit for home day care business property away from the residence premises rises from $250 to $500.
04 91
“care enterprise to $250”
10 00
“home day care "business" to $500”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 10 00Oct 2000Latest | 13 | 22 | 12 | Mar 2022 to Jul 2025 |
| 04 91Apr 1991 | 30 | 13 | 25 | Nov 2021 to Apr 2026 |
Filed by one company only: 08 05 (Westfield Group, 6 filings).
3 other edition dates appear in one or two filings each, often carrier-specific versions: 05 25, 01 12, 08/01/05.
Where filings record what this form replaced, they name earlier edition 10 00. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 3 companies filed the 04 91 edition and 1 company filed 08 05.
- The newer 10 00 edition first appears Mar 4, 2022 and has been filed by 22 companies in 12 states so far.
- The 08 05 edition appears only in filings from Westfield Group (6 filings in 6 states since Oct 23, 2023), which suggests a carrier-specific version.
- HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 51 of the same filings (93%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to May 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.
Carriers filing this form
The 10 carrier groups with the most filings that include HO 04 96, out of 16 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Armed Forces Insurance Exchange | 19 | 19 | 04 9110 00 | Oct 11, 2024 |
| Westfield Group3 group companies filed it, led by Old Guard Insurance Company and American Select Insurance Company | 10 | 9 | 08 0505 2508/01/05 | May 29, 2026 |
| Encova Mutual Insurance Group2 group companies filed it, led by Motorists Mutual Insurance Company and Iowa Mutual Insurance Company | 5 | 5 | 04 9110 00 | Jan 24, 2023 |
| Cabrillo Holding GroupUS Coastal Property and Casualty Insurance Company | 3 | 3 | 10 00 | Jul 17, 2025 |
| Liberty Mutual Group6 group companies filed it, led by American Fire and Casualty Company and Liberty Mutual Fire Insurance Company | 3 | 2 | 04 9110 00 | Aug 26, 2025 |
| NEW London Cnty Group3 group companies filed it, led by New London County Mutual Insurance Co. and Danbury Insurance Company | 3 | 3 | 04 91 | Apr 17, 2026 |
| Midwest Family GroupMidwest Family Mutual Insurance Company | 2 | 2 | 10 00 | Jul 25, 2022 |
| Southern Trust Insurance Company | 2 | 2 | 10 00 | May 3, 2024 |
| American Family Insurance Group3 group companies filed it, led by Grain Dealers Mutual Insurance Company and NGM Insurance Company | 1 | 1 | 04 9110 00 | Jan 17, 2025 |
| Grange Insurance GroupGranwest Property and Casualty | 1 | 1 | 10 00 | Jul 22, 2022 |
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States
Number of filings that include HO 04 96 in each state, Oct 2021 to May 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- HO 04 10Additional Interests - Residence Premises51 filings
- HO 00 03Homeowners 3 - Special Form49 filings
- HO 04 41Additional Insured - Residence Premises49 filings
- HO 04 65Coverage C Increased Special Limits of Liability49 filings
- HO 04 48Other Structures on the Residence Premises - Increased Limits48 filings
- HO 00 06Unit-Owners 6 - Broad Form47 filings
- HO 04 53Credit Card, Electronic Fund Transfer Card or Access Device, Forgery & Counterfeit Money Coverage - Increased Limit47 filings
- HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement47 filings
- HO 04 12Increased Limits on Business Property46 filings
- HO 04 35Supplemental Loss Assessment Coverage46 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| May 29, 2026 | Old Guard Insurance Company | MI | 08 05 | WSFG-G134947110 |
| Apr 17, 2026 | New London County Mutual Insurance Co. | RI | 04 91 | NLCC-134891646 |
| Apr 3, 2026 | American Select Insurance Companyand 1 more | PA | 05 25 | WSFG-G134882776 |
| Mar 17, 2026 | Danbury Insurance Companyand 1 more | MA | 04 91 | NLCC-134869733 |
| Nov 14, 2025 | New London County Mutual Insurance Co. | CT | 04 91 | NLCC-134739293 |
| Sep 18, 2025 | Old Guard Insurance Company | MN | 08 05 | WSFG-G134667554 |
| Sep 2, 2025 | Tower Hill Prime Insurance Company | TX | 04 91 | THIG-134657019 |
| Aug 26, 2025 | Liberty Mutual Fire Insurance Companyand 1 more | WY | 04 91 | LBPM-134639054 |
| Jul 18, 2025 | Old Guard Insurance Company | WV | 08 05 | WSFG-G134603209 |
| Jul 17, 2025 | US Coastal Property and Casualty Insurance Company | CA | 10 00 | CCGI-134606925 |
| Jun 20, 2025 | Old Guard Insurance Company | TN | 08 05 | WSFG-G134565373 |
| Apr 4, 2025 | Old Guard Insurance Company | KY | 08 05 | WSFG-G134475387 |
Most filed ISO HO forms
- HO 00 03 Homeowners 3 Special Form
- HO 04 90 Personal Property Replacement Cost Loss Settlement
- HO 04 10 Additional Interests - Residence Premises
- HO 04 41 Additional Insured - Residence Premises
- HO 04 48 Other Structures on the Residence Premises - Increased Limits
- HO 04 16 Premises Alarm Water Leak Detection or Fire Protection System
- HO 04 98 Refrigerated Property Coverage
- HO 04 35 Supplemental Loss Assessment Coverage
- HO 04 77 Ordinance or Law Increased Amount of Coverage
- HO 00 06 Homeowners 6 - Unit- Owners Form
- HO 24 13 Incidental Low Power Recreational Motor Vehicle Liability Coverage Endorsement
- HO 04 40 Structures Rented to Others - Residence Premises
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