BP 04 53 Water Back–Up And Sump Overflow

An Insurance Services Office (ISO) standard form. It covers direct loss from water or waterborne material backing up from a sewer or drain or overflowing from a sump, up to annual aggregate limits ($5,000 per location unless scheduled) for property and for business income and extra expense.

1 other edition date appears in one or two filings each, often carrier-specific versions: 01 10.

Where filings record what this form replaced, they name earlier editions 05 18, 07 13 and other forms VP 04 53. Only some filings record replacements.

• Edition in use: in the past 12 months, 4 companies filed the 07 13 edition and 3 companies filed 08 24.
• BP 00 03 (Businessowners Coverage Form) is filed alongside it most often, in 82 of the same filings (95%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 53 in 1 filing
• Tokio Marine Holdings Incorporated GroupUses BP 04 53 in 3 filings

• BP 00 03Businessowners Coverage Form82 filings
• BP 04 48Additional Insured – Designated Person Or Organization82 filings
• BP 04 02Additional Insured – Managers Or Lessors Of Premises81 filings
• BP 04 06Additional Insured – Controlling Interest81 filings
• BP 04 09Additional Insured – Mortgagee, Assignee Or Receiver81 filings
• BP 04 10Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased81 filings
• BP 04 16Additional Insured – Lessor Of Leased Equipment81 filings
• BP 04 11Additional Insured – Co–Owner Of Insured Premises80 filings
• BP 04 71Exclusion – Volunteer Workers As Insureds80 filings
• BP 04 30Protective Safeguards79 filings