Coverage description
An Insurance Services Office (ISO) standard form. It suspends the vacancy condition for the scheduled locations during the permit period, except for vandalism or sprinkler leakage when those causes of loss are marked as excepted.
How the form has changed
The 08 24 edition updates the coverage forms it applies to and the form date. The coverage wording is the same as 01 06.
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 08 24Aug 2024Latest | 60 | 8 | 44 | Aug 2023 to Oct 2026 |
| 01 06Jan 2006 | 26 | 23 | 12 | Jan 2022 to Jul 2026 |
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 01 06 and other forms N/A. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 5 companies filed the 01 06 edition and 3 companies filed 08 24.
- BP 00 03 (Businessowners Coverage Form) is filed alongside it most often, in 87 of the same filings (100%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 87, out of 25 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 49 | 42 | 08 24 | Nov 20, 2024 |
| Berkshire Hathaway Group3 group companies filed it, led by The Medical Protective Company and Wellfleet Insurance Company | 3 | 3 | 01 0607 02 | Jul 4, 2026 |
| Indiana Farmers Mutual GroupIndiana Farmers Indemnity Insurance Company | 3 | 3 | 01 06 | Dec 6, 2024 |
| Jewelers Mutual GroupJewelers Mutual Insurance Company | 3 | 3 | 08 24 | Aug 28, 2026 |
| Randall & Quilter Investment GroupAccredited Surety and Casualty Company, Inc. | 3 | 3 | 08 24 | Oct 1, 2026 |
| CM Select Insurance Company | 2 | 2 | 01 06 | Apr 17, 2025 |
| Donegal Group2 group companies filed it, led by Donegal Mutual Insurance Company and Southern Insurance Company of Virginia | 2 | 1 | 01 06 | May 10, 2023 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and Wilson Mutual Insurance Company | 2 | 2 | 01 06 | Jun 25, 2024 |
| Farm Bureau GroupWestern Community Insurance Company | 2 | 2 | 01 0608 24 | Mar 30, 2026 |
| SH1 Holdings GroupSpinnaker Insurance Company | 2 | 2 | 01 06 | Mar 20, 2024 |
How the largest insurers handle BP 04 87
Groups among the largest businessowners insurers that filed BP 04 87 or their own version in the past five years.
- Chubb Limited GroupUses BP 04 87 in 1 filing
- State Farm GroupFiles its own version: CMP-4877.1 Vacancy Permit (3 states)
- Tokio Marine Holdings Incorporated GroupUses BP 04 87 in 3 filings
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States
Number of filings that include BP 04 87 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 00 03Businessowners Coverage Form87 filings
- BP 04 48Additional Insured – Designated Person Or Organization86 filings
- BP 04 02Additional Insured – Managers Or Lessors Of Premises85 filings
- BP 04 06Additional Insured – Controlling Interest85 filings
- BP 04 07Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises85 filings
- BP 04 09Additional Insured – Mortgagee, Assignee Or Receiver85 filings
- BP 04 10Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased85 filings
- BP 04 16Additional Insured – Lessor Of Leased Equipment85 filings
- BP 04 52Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations85 filings
- BP 04 97Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)85 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 | 08 24 | VPSI-134969305 |
| Sep 28, 2026 | Accredited Surety and Casualty Company, Inc. | NC | 08 24 | VPSI-135105135 |
| Sep 15, 2026 | Accredited Surety and Casualty Company, Inc. | MD | 08 24 | VPSI-134969100 |
| Sep 4, 2026 | Southern Trust Insurance Company | GA | 08 24 | STTR-134866316 |
| Aug 28, 2026 | Jewelers Mutual Insurance Company | CA | 08 24 | JMIC-135046937 |
| Jul 28, 2026 | Philadelphia Indemnity Insurance Company | NY | 01 06 | PHLX-134877701 |
| Jul 21, 2026 | Jewelers Mutual Insurance Company | NM | 08 24 | JMIC-134988770 |
| Jul 21, 2026 | Jewelers Mutual Insurance Company | IL | 08 24 | JMIC-135013506 |
| Jul 4, 2026 | The Medical Protective Companyand 1 more | IL | 01 06 | MDPC-135004347 |
| Jun 26, 2026 | Philadelphia Indemnity Insurance Company | SC | 01 06 | PHLX-134889110 |
| May 5, 2026 | Next Insurance US Company | CA | 01 06 | NXUS-134864137 |
| Mar 30, 2026 | Western Community Insurance Company | WA | 01 06 | FMID-134893255 |
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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