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A landlord wants to add personal liability and medical payments coverage to a Dwelling policy so that tenant slip-and-fall claims at the rental property are insured. Which ISO endorsement is typically added to a DP form to attach Section II Liability coverages analogous to those in a Homeowners policy?
ADP 04 72 Broad Theft Coverage — adds on-premises theft for owner-occupied dwellings
BDP 04 60 Vacancy Permit — suspends the vacancy exclusion during an extended vacancy
CDP 04 36 Theft of Building Materials — covers materials and supplies stolen from a dwelling that is under construction or renovation
DL 24 01 / DL 24 02 Personal Liability Supplement — adds Section II liability and medical payments
Why this is the answer
Standard ISO Dwelling forms (DP-1, DP-2, DP-3) provide only Section I property coverages. To add Section II — Personal Liability (Coverage L) and Medical Payments to Others (Coverage M) — to a Dwelling policy, the insurer attaches the Personal Liability Supplement endorsement (DL 24 01 Personal Liability, written with DL 24 02 Personal Liability Additional Policy Conditions). This gives the landlord coverage for premises liability arising from the insured location, including tenant slip-and-fall claims (ISO DL 24 01 / DL 24 02 Personal Liability Supplement).
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