BP 04 12 Limitation of Coverage to Designated Premises, Project or Operation

An Insurance Services Office (ISO) standard form. It limits businessowners liability and medical payments to injury or damage occurring on the scheduled premises or arising out of the scheduled project or operation, and to offenses arising out of your business on those premises or for that project.

1. 04 17 edition

   Apr 2017, compared with 01 06Latest edition

   • For premises, injury or damage must occur on the scheduled premises or their grounds and structures, rather than arise out of their ownership, maintenance or use and incidental operations.

     01 06

     “operations necessary or incidental to those premises”

     04 17

     “Occurs on the premises shown in the Schedule or the grounds and structures appurtenant to those premises”

   • Coverage can apply to a scheduled operation as well as a scheduled project.

     01 06

     “The project shown in the Schedule.”

     04 17

     “Arises out of the project or operation shown in the Schedule”

   • Personal and advertising injury offenses such as false arrest or wrongful eviction tied to the premises must be committed on the scheduled premises or their grounds and structures.

     01 06

     Not in this edition

     04 17

     “must have been committed on the premises shown in the Schedule”

Where filings record what this form replaced, they name earlier edition 01 06 and other forms N/A, VP 04 12. Only some filings record replacements.

• Edition in use: in the past 12 months, 5 companies filed the 04 17 edition.
• BP 00 03 (Businessowners Coverage Form) is filed alongside it most often, in 42 of the same filings (76%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Aug 2026, excluding withdrawn and rejected filings.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

• Tokio Marine Holdings Incorporated GroupUses BP 04 12 in 3 filings

• BP 00 03Businessowners Coverage Form42 filings
• BP 04 02Additional Insured - Managers or Lessors of Premises42 filings
• BP 04 06Additional Insured - Controlling Interest42 filings
• BP 04 09Additional Insured - Mortgagee, Assignee or Receiver42 filings
• BP 04 16Additional Insured - Lessor of Leased Equipment42 filings
• BP 04 48Additional Insured - Designated Person or Organization42 filings
• BP 04 07Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations Relating to Premises41 filings
• BP 04 10Additional Insured - Owners or Other Interests from Whom Land Has Been Leased41 filings
• BP 04 11Additional Insured - Co- Owner of Insured Premises41 filings
• BP 14 05Additional Insured - Grantor of Franchise40 filings