Coverage description
An Insurance Services Office (ISO) standard form. It adds claims-made employee benefits liability coverage for negligent acts, errors or omissions in administering your employee benefit program, subject to a retroactive date, deductible and scheduled limits.
How the form has changed
1 change across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
01 10 edition
Jan 2010, compared with 01 06The failure to perform a contract exclusion now applies to failure by any insurer rather than by any insured.
01 06
“performance of contract by any insured”
01 10
“performance of contract by any insurer”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 07 13Jul 2013Latest | 75 | 33 | 23 | Jan 2022 to Oct 2026 |
| 01 10Jan 2010 | 5 | 3 | 2 | Jun 2023 to Jun 2025 |
| 01 06Jan 2006 | 5 | 5 | 1 | Jun 2022 to Jun 2026 |
1 other edition date appears in one or two filings each, often carrier-specific versions: 10 20.
Where filings record what this form replaced, they name earlier edition 01 10 and other forms EB 101, VP 04 98. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 13 companies filed the 07 13 edition and 5 companies filed 01 06.
- BP 04 99 (Extended Reporting Period for Employee Benefits Liability Coverage) is filed alongside it most often, in 62 of the same filings (73%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 98, out of 26 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grange Mutual CAS Group2 group companies filed it, led by Grange Insurance Company and Integrity Insurance Company | 8 | 8 | 07 13 | Apr 9, 2024 |
| Mountain West Farm Group2 group companies filed it, led by 360 Insurance Company and Mountain West Farm Bureau Mutual Insurance Company | 7 | 3 | 07 1301 10 | Jul 27, 2026 |
| Randall & Quilter Investment GroupAccredited Surety and Casualty Company, Inc. | 7 | 4 | 07 13 | Oct 1, 2026 |
| Selective Insurance Group4 group companies filed it, led by Selective Way Insurance Company and Selective Insurance Company of America | 6 | 2 | 07 13 | Jun 12, 2026 |
| CM Select Insurance Company | 5 | 3 | 07 13 | Jun 18, 2026 |
| Liberty Mutual GroupState Automobile Mutual Insurance Company | 5 | 1 | 07 13 | Jun 17, 2026 |
| WR Berkley Corporation Group5 group companies filed it, led by Acadia Insurance Company and Continental Western Insurance Company | 5 | 1 | 01 06 | Jun 19, 2026 |
| American Family Insurance Group3 group companies filed it, led by Midvale Indemnity Company and American Family Insurance Company | 4 | 3 | 07 13 | Jun 24, 2024 |
| Country Insurance & Financial Services GroupCOUNTRY Mutual Insurance Company | 4 | 1 | 07 13 | Jun 11, 2025 |
| Jewelers Mutual GroupJewelers Mutual Insurance Company | 4 | 4 | 07 13 | Aug 28, 2026 |
How the largest insurers handle BP 04 98
Groups among the largest businessowners insurers that filed BP 04 98 or their own version in the past five years.
- Tokio Marine Holdings Incorporated GroupUses BP 04 98 in 1 filing
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States
Number of filings that include BP 04 98 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 99Extended Reporting Period for Employee Benefits Liability Coverage62 filings
- BP 00 03Businessowners Coverage Form37 filings
- BP 04 41Business Income Changes - Time Period37 filings
- BP 04 47Additional Insured - Vendors37 filings
- BP 04 48Additional Insured - Designated Person or Organization37 filings
- BP 14 04Windstorm or Hail Losses to Roof Surfacing - Actual Cash Value Loss Settlement37 filings
- BP 04 02Additional Insured - Managers or Lessors of Premises36 filings
- BP 04 06Additional Insured - Controlling Interest36 filings
- BP 04 07Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations Relating to Premises36 filings
- BP 04 09Additional Insured - Mortgagee, Assignee or Receiver36 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 22, 2026 | State National Insurance Company, Inc. | CO | 07 13 | STNA-135128887 |
| Oct 1, 2026 | Accredited Surety and Casualty Company, Inc. | PA | 07 13 | VPSI-134969305 |
| Sep 28, 2026 | Accredited Surety and Casualty Company, Inc. | NC | 07 13 | VPSI-135105135 |
| Sep 15, 2026 | Accredited Surety and Casualty Company, Inc. | MD | 07 13 | VPSI-134969100 |
| Aug 28, 2026 | Jewelers Mutual Insurance Company | CA | 07 13 | JMIC-135046937 |
| Jul 27, 2026 | 360 Insurance Company | CO | 07 13 | MWFB-135033599 |
| Jul 21, 2026 | Jewelers Mutual Insurance Company | NM | 07 13 | JMIC-134988770 |
| Jul 21, 2026 | Jewelers Mutual Insurance Company | SC | 07 13 | JMIC-134998782 |
| Jul 21, 2026 | Jewelers Mutual Insurance Company | IL | 07 13 | JMIC-135013506 |
| Jun 30, 2026 | Accredited Surety and Casualty Company, Inc. | CO | 07 13 | ACSA-135004387 |
| Jun 26, 2026 | Philadelphia Indemnity Insurance Company | SC | 07 13 | PHLX-134889110 |
| Jun 19, 2026 | Acadia Insurance Companyand 4 more | CO | 01 06 | BNIC-134992811 |
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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