Coverage description
An Insurance Services Office (ISO) standard form. It adds earthquake and volcanic eruption as covered causes of loss for the businessowners property shown in its schedule, treats shocks within 168 hours as one event, and applies a percentage deductible to each building, its contents and property in the open.
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 | 56 | 6 | 43 | Aug 2023 to Sep 2026 |
| 07 13Jul 2013 | 35 | 20 | 18 | Jan 2022 to Jul 2026 |
3 other edition dates appear in one or two filings each, often carrier-specific versions: 08 10, 01 06, 07 02.
Where filings record what this form replaced, they name earlier editions 07 13, 08 10 and other forms VP 10 03. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 3 companies filed the 07 13 edition and 2 companies filed 08 24.
- BP 00 03 (Businessowners Coverage Form) is filed alongside it most often, in 92 of the same filings (98%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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 10 03, out of 24 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Insurance Services Office, Inc.Advisory Organization | 49 | 42 | 08 24 | Nov 20, 2024 |
| Grange Mutual CAS Group2 group companies filed it, led by Grange Insurance Company and Integrity Insurance Company | 8 | 8 | 07 13 | Apr 9, 2024 |
| Madison Mutual Insurance Company | 4 | 4 | 07 13 | Sep 24, 2024 |
| Indiana Farmers Mutual GroupIndiana Farmers Indemnity Insurance Company | 3 | 3 | 07 13 | Dec 6, 2024 |
| Jewelers Mutual GroupJewelers Mutual Insurance Company | 3 | 3 | 08 24 | Aug 28, 2026 |
| Pharmacists Mutual Group2 group companies filed it, led by Pharmacists Mutual Insurance Company and Chiron Insurance Company | 3 | 2 | 07 13 | Feb 26, 2025 |
| Berkshire Hathaway Group2 group companies filed it, led by The Medical Protective Company and Wellfleet Insurance Company | 2 | 2 | 07 13 | Jul 4, 2026 |
| CM Select Insurance Company | 2 | 2 | 07 13 | Apr 17, 2025 |
| Encova Mutual Insurance Group3 group companies filed it, led by Motorists Mutual Insurance Company and Wilson Mutual Insurance Company | 2 | 2 | 07 13 | Jun 25, 2024 |
| Mountain West Farm GroupMountain West Farm Bureau Mutual Insurance Company | 2 | 2 | 07 13 | Nov 17, 2022 |
How the largest insurers handle BP 10 03
Groups among the largest businessowners insurers that filed BP 10 03 or their own version in the past five years.
- Tokio Marine Holdings Incorporated GroupUses BP 10 03 in 3 filings
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States
Number of filings that include BP 10 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 Form92 filings
- BP 04 16Additional Insured – Lessor Of Leased Equipment92 filings
- BP 04 48Additional Insured – Designated Person Or Organization92 filings
- BP 04 02Additional Insured – Managers Or Lessors Of Premises91 filings
- BP 04 06Additional Insured – Controlling Interest91 filings
- BP 04 09Additional Insured – Mortgagee, Assignee Or Receiver91 filings
- BP 04 10Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased91 filings
- BP 04 11Additional Insured – Co–Owner Of Insured Premises90 filings
- BP 04 13Additional Insured – Engineers, Architects Or Surveyors90 filings
- BP 05 47Computer Fraud And Funds Transfer Fraud90 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 |
| Aug 28, 2026 | Jewelers Mutual Insurance Company | CA | 08 24 | JMIC-135046937 |
| Jul 28, 2026 | Philadelphia Indemnity Insurance Company | NY | 07 13 | 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 | 07 13 | MDPC-135004347 |
| Jun 26, 2026 | Philadelphia Indemnity Insurance Company | SC | 07 13 | PHLX-134889110 |
| Nov 21, 2025 | The Medical Protective Companyand 1 more | WA | 07 13 | MDPC-134692382 |
| Sep 23, 2025 | Illinois EMCASCO Insurance Company | WA | 07 13 | EMCC-134680599 |
| Jun 30, 2025 | Universal North America Insurance Company | GA | 08 24 | UNAC-134570222 |
| Jun 3, 2025 | Farm Family Casualty Insurance Company | VA | 07 13 | ANPC-134556520 |
| May 2, 2025 | Selective Way Insurance Company | MO | 07 13 | SELC-134497190 |
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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