Coverage description
An Insurance Services Office (ISO) standard form. It extends businessowners liability to professional services in optical and hearing aid work, such as fitting lenses and hearing aids, while excluding the practice of optometry, and treats related acts for one person as one occurrence.
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.
08 24 edition
Aug 2024, compared with 07 13Latest editionThe negligent supervision wording of the optometry exclusion now applies to claims against any insured for that insured's own supervision of others.
07 13
“This exclusion applies even if the claims allege”
08 24
“against any insured allege negligence or other”
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 | 55 | 8 | 42 | Aug 2023 to Sep 2026 |
| 07 13Jul 2013 | 21 | 10 | 12 | Jun 2023 to Jul 2026 |
2 other edition dates appear in one or two filings each, often carrier-specific versions: 04 13, 01 10.
Where filings record what this form replaced, they name earlier edition 07 13. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 2 companies filed the 08 24 edition and 2 companies filed 07 13.
- BP 00 03 (Businessowners Coverage Form) is filed alongside it most often, in 78 of the same filings (99%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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 08 03, out of 19 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 48 | 41 | 08 24 | Nov 20, 2024 |
| Grange Mutual CAS Group2 group companies filed it, led by Grange Insurance Company and Integrity Insurance Company | 7 | 7 | 07 13 | Apr 9, 2024 |
| Madison Mutual Insurance Company | 3 | 3 | 07 13 | Sep 24, 2024 |
| CM Select Insurance Company | 2 | 2 | 07 13 | Apr 17, 2025 |
| Farm Bureau GroupWestern Community Insurance Company | 2 | 2 | 07 1308 24 | Mar 30, 2026 |
| Indiana Farmers Mutual GroupIndiana Farmers Indemnity Insurance Company | 2 | 2 | 07 13 | Dec 6, 2024 |
| SH1 Holdings GroupSpinnaker Insurance Company | 2 | 2 | 07 13 | Mar 20, 2024 |
| Tokio Marine Holdings Incorporated GroupPhiladelphia Indemnity Insurance Company | 2 | 2 | 07 13 | Jul 28, 2026 |
| Cameron Mutual GroupCameron National Insurance Company | 1 | 1 | 08 24 | Aug 22, 2025 |
| EMC Insurance Company GroupIllinois EMCASCO Insurance Company | 1 | 1 | 07 13 | Sep 23, 2025 |
How the largest insurers handle BP 08 03
Groups among the largest businessowners insurers that filed BP 08 03 or their own version in the past five years.
- Tokio Marine Holdings Incorporated GroupUses BP 08 03 in 3 filings
See more forms
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States
Number of filings that include BP 08 03 in each state, Oct 2021 to Sep 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 Form78 filings
- BP 04 16Additional Insured – Lessor Of Leased Equipment78 filings
- BP 04 48Additional Insured – Designated Person Or Organization78 filings
- BP 05 47Computer Fraud And Funds Transfer Fraud78 filings
- BP 14 05Additional Insured – Grantor Of Franchise78 filings
- BP 04 02Additional Insured – Managers Or Lessors Of Premises77 filings
- BP 04 06Additional Insured – Controlling Interest77 filings
- BP 04 09Additional Insured – Mortgagee, Assignee Or Receiver77 filings
- BP 04 10Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased77 filings
- BP 08 01Barber Shops And Hair Salons Professional Liability77 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Sep 4, 2026 | Southern Trust Insurance Company | GA | 08 24 | STTR-134866316 |
| Jul 28, 2026 | Philadelphia Indemnity Insurance Company | NY | 07 13 | PHLX-134877701 |
| Jul 21, 2026 | Jewelers Mutual Insurance Company | NM | 08 24 | JMIC-134988770 |
| Jun 26, 2026 | Philadelphia Indemnity Insurance Company | SC | 07 13 | PHLX-134889110 |
| Mar 30, 2026 | Western Community Insurance Company | WA | 07 13 | FMID-134893255 |
| Sep 23, 2025 | Illinois EMCASCO Insurance Company | WA | 07 13 | EMCC-134680599 |
| Aug 22, 2025 | Cameron National Insurance Company | KS | 08 24 | BMUT-134648356 |
| Aug 20, 2025 | Response Indemnity Company of California | CA | 07 13 | PERR-134645602 |
| Jun 30, 2025 | Universal North America Insurance Company | GA | 08 24 | UNAC-134570222 |
| May 2, 2025 | Western Community Insurance Company | ID | 08 24 | FMID-134506398 |
| Apr 17, 2025 | CM Select Insurance Company | CA | 07 13 | PERR-134450300 |
| Feb 26, 2025 | United Ohio Insurance Company | WI | 01 10 | OHMG-134285303 |
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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