Businessowners (ISO BP) Forms: Editions, Carriers and States

Overview

ISO's businessowners program packages property and general liability coverage for small and midsize businesses in one coverage form, BP 00 03. It covers buildings and business personal property, business income and extra expense, and business liability, and endorsements add property options such as spoilage of perishable stock (BP 04 15) and computer and funds transfer fraud (BP 05 47). The most filed endorsements extend liability coverage to others the business deals with: managers or lessors of premises it rents (BP 04 02), lessors of equipment it leases (BP 04 16), vendors that sell its products (BP 04 47), parties with a controlling interest (BP 04 06) and anyone named in a schedule (BP 04 48). Insurers also use BP 04 30 to require sprinklers and other protective safeguards, BP 14 04 to settle wind and hail damage to roofs at actual cash value, and exclusions for data breaches (BP 15 04), data privacy law violations (BP 18 04), cyber incidents (BP 18 03 for liability, BP 15 60 for property) and PFAS (BP 15 91).

Coverage forms

1 form

Form	Title	Latest edition	Carrier groups	States	Last filed
BP 00 03	Businessowners Coverage Form	08 24	32	45	Oct 1, 2026

Declarations and schedules

7 forms

Form	Title	Latest edition	Carrier groups	States	Last filed
BP DS 01	Businessowners Policy Declarations	08 24	11	45	Oct 1, 2026

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Endorsements

168 forms

Form	Title	Latest edition	Carrier groups	States	Last filed
BP 04 16	Additional Insured – Lessor Of Leased Equipment	08 24	32	45	Oct 1, 2026
BP 04 48	Additional Insured – Designated Person Or Organization	08 24	31	45	Oct 1, 2026
BP 04 02	Additional Insured – Managers Or Lessors Of Premises	08 24	30	45	Oct 1, 2026
BP 04 06	Additional Insured – Controlling Interest	08 24	30	45	Oct 1, 2026
BP 04 30	Protective Safeguards	08 24	30	45	Oct 1, 2026
BP 04 07	Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises	08 24	29	47	Oct 1, 2026
BP 04 09	Additional Insured – Mortgagee, Assignee Or Receiver	08 24	29	45	Oct 1, 2026
BP 04 10	Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased	08 24	29	45	Oct 1, 2026
BP 04 11	Additional Insured – Co–Owner Of Insured Premises	08 24	29	45	Oct 1, 2026
BP 04 15	Spoilage Coverage	02 21	29	26	Jul 28, 2026
BP 04 47	Additional Insured – Vendors	08 24	29	45	Oct 1, 2026
BP 04 97	Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)	08 24	28	45	Oct 1, 2026
BP 05 47	Computer Fraud and Funds Transfer Fraud	08 24	28	46	Sep 4, 2026
BP 14 04	Windstorm or Hail Losses to Roof Surfacing - Actual Cash Value Loss Settlement	07 13	28	27	Oct 1, 2026
BP 14 05	Additional Insured – Grantor Of Franchise	08 24	28	44	Sep 4, 2026
BP 12 31	Named Insured – Building Owner	08 24	27	44	Sep 4, 2026
BP 17 03	Condominium Commercial Unit–Owners Optional Coverages	08 24	27	42	Sep 4, 2026
BP 04 13	Additional Insured – Engineers, Architects Or Surveyors	08 24	26	44	Sep 4, 2026
BP 04 50	Additional Insured – Owners, Lessees Or Contractors – Scheduled Person Or Organization	08 24	26	45	Oct 1, 2026
BP 04 52	Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations	08 24	26	45	Oct 1, 2026
BP 04 98	Employee Benefits Liability Coverage	07 13	26	23	Oct 22, 2026
BP 14 81	Limitations on Coverage for Roof Surfacing	07 13	26	36	Oct 1, 2026
BP 17 01	Condominium Association Coverage	08 24	26	41	Jul 28, 2026
BP 04 08	Additional Insured – Unit- Owners Of Townhouse Associations	08 24	25	44	Sep 4, 2026
BP 04 46	Ordinance Or Law Coverage	08 24	25	41	Oct 1, 2026
BP 04 87	Vacancy Permit	08 24	25	45	Oct 1, 2026
BP 05 98	Amendment Of Insured Contract Definition	08 24	25	45	Sep 4, 2026
BP 14 02	Additional Insured – Owners, Lessees Or Contractors – Completed Operations	08 24	25	45	Oct 1, 2026
BP 14 07	Business Income And Extra Expense - Revised Period of Indemnity	08 24	25	47	Oct 1, 2026
BP 17 02	Condominium Commercial Unit–Owners Coverage	08 24	25	42	Aug 28, 2026
BP 04 53	Water Back–Up And Sump Overflow	08 24	24	44	Oct 1, 2026
BP 04 84	Functional Building Valuation	08 24	24	41	Oct 1, 2026
BP 10 03	Earthquake And Volcanic Eruption Endorsement	08 24	24	44	Sep 4, 2026
BP 04 12	Limitation of Coverage to Designated Premises, Project or Operation	04 17	23	23	Aug 28, 2026
BP 04 51	Additional Insured – Owners, Lessees Or Contractors – Automatic Status When Required In A Written Construction Agreement With You	08 24	23	45	Oct 1, 2026
BP 04 83	Removal of Insurance-To- Value Provision	03 27	23	35	Oct 1, 2026
BP 07 01	Contractors’ Installation, Tools And Equipment Coverage	08 24	23	44	Sep 4, 2026
BP 08 01	Barber Shops And Hair Salons Professional Liability	08 24	23	43	Sep 4, 2026
BP 04 99	Extended Reporting Period For Employee Benefits Liability Coverage	07 13	22	18	Oct 22, 2026
BP 04 41	Business Income Changes - Time Period	07 13	21	22	Oct 1, 2026
BP 04 49	Additional Insured – Engineers, Architects Or Surveyors Not Engaged By The Named Insured	08 24	21	44	Sep 4, 2026
BP 07 12	Self-Storage Facilities	01 10	21	25	Jul 21, 2026
BP 05 96	Electronic Data Liability - Broad Coverage	12 23	20	37	Oct 22, 2026
BP 07 83	Photography	08 24	20	45	Sep 4, 2026
BP 08 09	Beauty Salons Professional Liability	08 24	20	43	Sep 4, 2026
BP 14 87	Additional Insured – Owners, Lessees Or Contractors – Automatic Status For Other Parties When Required In Written Construction Agreement	08 24	20	45	Oct 1, 2026
BP 08 03	Optical And Hearing Aid Establishments	08 24	19	43	Sep 4, 2026
BP 10 09	Named Perils	08 24	19	42	Sep 4, 2026
BP 14 06	Business Income, Extra Expense And Related Coverages Limit of Insurance	01 10	19	39	Jul 28, 2026
BP 07 11	Hotels, Motels And Inns – Liability For Guests’ Property In Safe Deposit Boxes	08 24	18	43	Sep 4, 2026
BP 07 81	Cleaning Services	08 24	18	42	Sep 4, 2026
BP 07 10	Hotels, Motels And Inns	08 24	16	43	Sep 4, 2026
BP 08 07	Pharmacists	08 24	16	42	Sep 4, 2026
BP 17 24	Condominiums, Co–Ops, Associations – Directors And Officers Liability Endorsement	08 24	16	34	Oct 22, 2026
BP 15 07	Information Security Protection Endorsement	03 27	15	40	Oct 22, 2026
BP 18 07	Cyber Incident Liability Coverage Subject To Each Cyber Incident Occurrence And Aggregate Limits	12 23	14	43	Sep 4, 2026
BP 18 08	Cyber Incident Liability Coverage And Electronic Data Liability Coverage Subject To Loss Of Electronic Data, Each Cyber Incident Occurrence And Aggregate Limits	12 23	14	43	Sep 4, 2026
BP 10 79	Flood Coverage	08 24	12	42	Oct 15, 2026
BP 07 76	Apartment Buildings – Loss Or Damage To Tenants’ Autos (Legal Liability Coverage)Withdrawn by ISO	07 13	10	43	Jul 4, 2026

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Exclusions

91 forms

Form	Title	Latest edition	Carrier groups	States	Last filed
BP 15 04	Exclusion – Access or Disclosure of Confidential or Personal Material or Information	12 23	39	49	Sep 4, 2026
BP 15 91	Exclusion – Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS)	12 23	39	48	Sep 4, 2026
BP 18 04	Exclusion – Violation of Law Addressing Data Privacy	12 23	32	48	Sep 4, 2026
BP 18 03	Cyber Incident Liability Exclusion	12 23	29	49	Sep 4, 2026
BP 04 71	Exclusion – Volunteer Workers As Insureds	08 24	27	45	Oct 1, 2026
BP 14 86	Communicable Disease Exclusion	07 13	27	31	Oct 1, 2026
BP 15 60	Cyber Incident Exclusion	02 21	27	32	Oct 1, 2026
BP 05 95	Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion	12 23	26	48	Sep 4, 2026
BP 14 84	Windstorm or Hail Exclusion	07 13	22	25	Oct 1, 2026
BP 14 15	Limited Exclusion – Personal And Advertising Injury – Lawyers	08 24	20	44	Sep 4, 2026
BP 04 19	Amendment – Liquor Liability Exclusion – Exception For Scheduled Premises Or Activities	08 24	19	43	Sep 4, 2026
BP 15 06	Exclusion – Access or Disclosure of Confidential or Personal Material or Information (Personal and Advertising injury Only)	12 23	19	49	Sep 4, 2026
BP 15 32	Cannabis Liability Exclusion	08 24	19	36	Jul 21, 2026
BP 18 09	Exclusion – Electronic Data – Deletion Of Bodily Injury Exception	12 23	17	43	Sep 4, 2026
BP 15 33	Cannabis Liability Exclusion With Hemp Exception	08 24	16	36	Jul 21, 2026
BP 18 05	Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion, Deletion Of Bodily Injury Exception	12 23	15	43	Sep 4, 2026
BP 18 06	Cyber Incident Liability Exclusion For Electronic Data Liability – Broad Coverage	12 23	13	45	Sep 4, 2026
BP 15 34	Cannabis Liability Exclusion With Hemp And Lessors Risk Exceptions	08 24	10	36	Jul 21, 2026
BP 04 39	Abuse Or Molestation ExclusionWithdrawn by ISO	07 02	22	44	Oct 1, 2026
BP 15 05	Exclusion – Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability – Limited Bodily Injury Exception Not IncludedWithdrawn by ISO	05 14	18	41	Aug 24, 2026

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Conditions

1 form

Form	Title	Latest edition	Carrier groups	States	Last filed
BP 14 88	Primary and Noncontributory - Other Insurance Condition	07 13	22	17	Sep 28, 2026

State amendatory endorsements

100 forms

Form	Title	Latest edition	Carrier groups	States	Last filed
BP 04 86	Vacancy Changes	01 06	18	12	Jul 28, 2026

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Notices and disclosures

6 forms

Form	Title	Latest edition	Carrier groups	States	Last filed
BP 05 15	Disclosure Pursuant to Terrorism Risk Insurance Act	12 20	24	19	Sep 4, 2026

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ISO businessowners forms

Overview

Coverage forms

Declarations and schedules

Endorsements

Exclusions

Conditions

State amendatory endorsements

Notices and disclosures

Filing research

Businessowners forms

Coverage topics

Form types

Related lines of business

ISO businessowners forms

Overview

Coverage forms

Declarations and schedules

Endorsements

Exclusions

Conditions

State amendatory endorsements

Notices and disclosures

Related insurance research

Filing research

Businessowners forms

Coverage topics

Form types

Related lines of business