BP 04 15 Spoilage Coverage

An Insurance Services Office (ISO) standard form. It covers spoilage of perishable stock at the scheduled premises from breakdown or contamination of refrigeration or humidity control equipment, or from power outage, as indicated in the schedule.

1. 02 21 edition

   Feb 2021, compared with 07 13Latest edition

   • The applicable cyber incident exclusion is added to the exclusions that apply to spoilage coverage.

     07 13

     Not in this edition

     02 21

     “the Cyber Incident Exclusion or the Cyber Incident Exclusion With Ensuing Cause(s) Of Loss Exceptions, whichever applies”

1 other edition date appears in one or two filings each, often carrier-specific versions: 04 17.

Where filings record what this form replaced, they name other forms VP 04 15. Only some filings record replacements.

• Edition in use: in the past 12 months, 5 companies filed the 02 21 edition and 2 companies filed 07 13.
• BP 15 60 (Cyber Incident Exclusion) is filed alongside it most often, in 40 of the same filings (66%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jul 2026, excluding withdrawn and rejected filings.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

• Chubb Limited GroupUses BP 04 15 in 1 filing
• Tokio Marine Holdings Incorporated GroupUses BP 04 15 in 3 filings

• BP 15 60Cyber Incident Exclusion40 filings
• BP 04 30Protective Safeguards33 filings
• BP 05 47Computer Fraud and Funds Transfer Fraud33 filings
• BP 14 04Windstorm or Hail Losses to Roof Surfacing - Actual Cash Value Loss Settlement33 filings
• BP 00 03Businessowners Coverage Form32 filings
• BP 04 02Additional Insured - Managers or Lessors of Premises32 filings
• BP 04 06Additional Insured - Controlling Interest32 filings
• BP 04 09Additional Insured - Mortgagee, Assignee or Receiver32 filings
• BP 04 10Additional Insured - Owners or Other Interests From Whom Land Has Been Leased32 filings
• BP 04 16Additional Insured - Lessor of Leased Equipment32 filings