All of the following incidental businesses would be eligible under a dwelling policy except?

A dwelling policy is designed to provide coverage for residential properties and often extends to incidental business activities conducted on the premises. However, each type of business varies in its eligibility for coverage under such a policy.

Home offices, child care services, and personal training sessions typically involve minimal risk and are more aligned with the residential nature of the dwelling policy. These activities can often be seen as extensions of personal use rather than full-fledged businesses. Dwelling policies generally allow for some degree of incidental business as long as it does not significantly alter the property's use or increase the risk.

In contrast, a hardware store is considered a commercial enterprise with a higher risk profile due to the inventory involved, potential customer traffic, and the nature of the business itself. This type of operation typically falls outside the scope of what a dwelling policy covers, as it represents a significant business activity rather than a minor incidental one. This distinction is crucial when determining coverage eligibility under a dwelling policy.