BP 04 30 Protective Safeguards

An Insurance Services Office (ISO) standard form. It requires you to maintain the protective safeguards listed in the schedule, such as sprinklers, fire alarms and cooking hood systems, and excludes fire loss if you failed to meet those conditions before the fire.

1. 08 24 edition

   Aug 2024, compared with 07 13Latest edition

   • You must now keep any scheduled automatic fire alarm or other automatic system switched on at all times.

     07 13

     Not in this edition

     08 24

     “Actively engage and maintain in the "on" position at all times”

   • Fire loss is now covered if you met the conditions but a scheduled automatic system failed to operate because of conditions beyond your control.

     07 13

     Not in this edition

     08 24

     “fails to operate as intended due to conditions beyond your control, then we will pay”

2. 07 13 edition

   Jul 2013, compared with 01 06

   • An automatic commercial cooking exhaust and extinguishing system was added as a protective safeguard, with the same 48-hour notice relief as sprinklers.

     01 06

     Not in this edition

     07 13

     “Automatic Commercial Cooking Exhaust And Extinguishing System”

1 other edition date appears in one or two filings each, often carrier-specific versions: 07 02.

Where filings record what this form replaced, they name earlier edition 07 13 and other forms VP 04 30. Only some filings record replacements.

• Edition in use: in the past 12 months, 3 companies filed the 08 24 edition and 3 companies filed 07 13.
• BP 00 03 (Businessowners Coverage Form) is filed alongside it most often, in 99 of the same filings (96%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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

• Chubb Limited GroupUses BP 04 30 in 1 filing
• Tokio Marine Holdings Incorporated GroupUses BP 04 30 in 3 filings

• BP 00 03Businessowners Coverage Form99 filings
• BP 04 48Additional Insured – Designated Person Or Organization99 filings
• BP 04 02Additional Insured – Managers Or Lessors Of Premises98 filings
• BP 04 16Additional Insured – Lessor Of Leased Equipment98 filings
• BP 04 06Additional Insured – Controlling Interest97 filings
• BP 04 09Additional Insured – Mortgagee, Assignee Or Receiver97 filings
• BP 04 10Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased96 filings
• BP 04 11Additional Insured – Co–Owner Of Insured Premises96 filings
• BP 04 07Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises95 filings
• BP 04 47Additional Insured – Vendors94 filings