Business Exclusion under Homeowners Policy

The parent, on behalf of the infant, brought a negligence action against the babysitter after the infant suffered brain damage from a choking incident. The homeowner's insurer of the house in which the babysitter lived and cared for children brought a declaratory judgment action, asserting that the insurance policy did not cover the injuries sustained due to the business exclusion. This case is Western National Mutual Insurance Company v. Decker, 791 N.W.2d 799 (2010).