Coverage description
An Insurance Services Office (ISO) standard form. It removes the insurance-to-value provision from replacement cost loss settlement, so losses are paid up to the least of the limit, the replacement cost or the amount actually spent, without a coinsurance-style penalty.
How the form has changed
The 03 27 edition adds "Agreed Value" to the title and updates the form date. The loss settlement wording is the same as 01 10.
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 03 27Mar 2027Latest | 24 | 1 | 24 | Sep 2026 to Sep 2026 |
| 01 10Jan 2010 | 47 | 34 | 23 | Jan 2022 to Oct 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 11 25.
Where filings record what this form replaced, they name other forms VP 04 83. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 14 companies filed the 01 10 edition.
- The latest edition, 03 27, has been filed by Insurance Services Office, Inc in 24 states since Sep 1, 2026. No carrier filings list it yet.
- BP 04 38 (Medical Expenses - Exclusion) is filed alongside it most often, in 31 of the same filings (43%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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.
Carriers filing this form
The 10 carrier groups with the most filings that include BP 04 83, out of 23 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 24 | 24 | 03 27 | Sep 16, 2026 |
| Utica Group8 group companies filed it, led by Republic-Franklin Insurance Company and Utica Mutual Insurance Company | 15 | 15 | 01 10 | Dec 10, 2025 |
| Indiana Farmers Mutual GroupIndiana Farmers Indemnity Insurance Company | 3 | 3 | 01 10 | Dec 6, 2024 |
| Randall & Quilter Investment GroupAccredited Surety and Casualty Company, Inc. | 3 | 3 | 01 10 | Oct 1, 2026 |
| Berkshire Hathaway Group2 group companies filed it, led by The Medical Protective Company and Wellfleet Insurance Company | 2 | 2 | 01 10 | Jul 4, 2026 |
| Donegal Group2 group companies filed it, led by Donegal Mutual Insurance Company and Southern Insurance Company of Virginia | 2 | 1 | 01 10 | May 10, 2023 |
| EMC Insurance Company GroupIllinois EMCASCO Insurance Company | 2 | 2 | 01 10 | Apr 28, 2026 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and Wilson Mutual Insurance Company | 2 | 2 | 01 10 | Jun 25, 2024 |
| Mountain West Farm GroupMountain West Farm Bureau Mutual Insurance Company | 2 | 2 | 01 10 | Nov 17, 2022 |
| Pharmacists Mutual Group2 group companies filed it, led by Chiron Insurance Company and Pharmacists Mutual Insurance Company | 2 | 1 | 01 10 | Feb 26, 2025 |
How the largest insurers handle BP 04 83
Groups among the largest businessowners insurers that filed BP 04 83 or their own version in the past five years.
- Chubb Limited GroupUses BP 04 83 in 1 filing
- Tokio Marine Holdings Incorporated GroupUses BP 04 83 in 3 filings
See more forms
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States
Number of filings that include BP 04 83 in each state, Oct 2021 to Oct 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- BP 04 38Medical Expenses - Exclusion31 filings
- BP 00 03Businessowners Coverage Form30 filings
- BP 04 48Additional Insured - Designated Person or Organization30 filings
- BP 14 04Windstorm or Hail Losses to Roof Surfacing - Actual Cash Value Loss Settlement30 filings
- BP 04 01Comprehensive Business Liability Exclusion (All Hazards in Connection with Designated Premises or Operations)29 filings
- BP 04 02Additional Insured - Managers Or Lessors Of Premises29 filings
- BP 04 06Additional Insured - Controlling Interest29 filings
- BP 04 07Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations Relating to Premises29 filings
- BP 04 09Additional Insured - Mortgagee, Assignee or Receiver29 filings
- BP 04 10Additional Insured - Owners or Other Interests From Whom Land Has Been Leased29 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 1, 2026 | Accredited Surety and Casualty Company, Inc. | PA | 01 10 | VPSI-134969305 |
| Sep 28, 2026 | Accredited Surety and Casualty Company, Inc. | NC | 01 10 | VPSI-135105135 |
| Sep 16, 2026 | Insurance Services Office, Inc. | RI | 03 27 | ISOF-135091937 |
| Sep 15, 2026 | Accredited Surety and Casualty Company, Inc. | MD | 01 10 | VPSI-134969100 |
| Sep 4, 2026 | Insurance Services Office, Inc. | MT | 03 27 | ISOF-135070137 |
| Sep 3, 2026 | Insurance Services Office, Inc. | VA | 03 27 | ISOF-135070112 |
| Sep 3, 2026 | Insurance Services Office, Inc. | VT | 03 27 | ISOF-135070117 |
| Sep 3, 2026 | Insurance Services Office, Inc. | AR | 03 27 | ISOF-135070119 |
| Sep 3, 2026 | Insurance Services Office, Inc. | MD | 03 27 | ISOF-135070131 |
| Sep 3, 2026 | Insurance Services Office, Inc. | NJ | 03 27 | ISOF-135070141 |
| Sep 3, 2026 | Insurance Services Office, Inc. | OK | 03 27 | ISOF-135070146 |
| Sep 3, 2026 | Insurance Services Office, Inc. | PA | 03 27 | ISOF-135070148 |
Most filed ISO BP forms
- BP 15 91 Exclusion – Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS)
- BP 18 04 Exclusion – Violation of Law Addressing Data Privacy
- BP 15 04 Exclusion – Access or Disclosure of Confidential or Personal Material or Information
- BP 14 07 Business Income And Extra Expense - Revised Period of Indemnity
- BP 04 07 Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises
- BP 18 03 Cyber Incident Liability Exclusion
- BP 05 47 Computer Fraud and Funds Transfer Fraud
- BP 00 03 Businessowners Coverage Form
- BP 04 16 Additional Insured – Lessor Of Leased Equipment
- BP 04 48 Additional Insured – Designated Person Or Organization
- BP 05 95 Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion
- BP 04 02 Additional Insured – Managers Or Lessors Of Premises
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