BP 04 08 Additional Insured – Unit- Owners Of Townhouse Associations

An Insurance Services Office (ISO) standard form. It makes each unit-owner an insured for liability as a member of the townhouse association named in the Declarations, but not for liability from the property the owner holds title to or the part of the premises reserved for the owner's exclusive use.

1. 08 24 edition

   Aug 2024, compared with 01 06Latest edition

   • Unit-owners are insureds only as members of a townhouse association shown in the Declarations as a Named Insured.

     01 06

     “Each individual townhouse owner is also an insured”

     08 24

     “townhouse association shown in the Declarations as a Named Insured”

   • Unit-owners are also not covered for liability arising out of the part of the premises reserved for their exclusive use or occupancy, in addition to the real property they own.

     01 06

     Not in this edition

     08 24

     “That portion of the premises which is reserved for the unit-owner's exclusive use or occupancy”

Where filings record what this form replaced, they name earlier edition 01 06 and other forms N/A, VP 04 08. Only some filings record replacements.

• Edition in use: in the past 12 months, 4 companies filed the 01 06 edition and 2 companies filed 08 24.
• BP 04 02 (Additional Insured – Managers Or Lessors Of Premises) is filed alongside it most often, in 86 of the same filings (91%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Chubb Limited GroupUses BP 04 08 in 1 filing
• Tokio Marine Holdings Incorporated GroupUses BP 04 08 in 2 filings

• BP 04 02Additional Insured – Managers Or Lessors Of Premises86 filings
• BP 04 06Additional Insured – Controlling Interest86 filings
• BP 04 07Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises86 filings
• BP 04 09Additional Insured – Mortgagee, Assignee Or Receiver86 filings
• BP 04 10Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased86 filings
• BP 04 16Additional Insured – Lessor Of Leased Equipment86 filings
• BP 04 48Additional Insured – Designated Person Or Organization86 filings
• BP 00 03Businessowners Coverage Form85 filings
• BP 04 11Additional Insured – Co–Owner Of Insured Premises85 filings
• BP 04 97Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)85 filings