BP 10 79 Flood Coverage

An Insurance Services Office (ISO) standard form. It adds flood as a covered cause of loss under the Businessowners property coverage, subject to a separate flood limit, annual aggregate and deductible, a 72-hour waiting period, and payment in excess of any National Flood Insurance Program policy.

1. 08 24 edition

   Aug 2024, compared with 07 13Latest edition

   • The flood debris removal coverage now refuses to pay for removing mud or earth only from the grounds outside buildings, so removing mud deposited inside buildings is no longer excluded.

     07 13

     “we will not pay to remove deposits of mud or earth from the grounds of the described premises”

     08 24

     “we will not pay to remove deposits of mud or earth from the grounds, outside of buildings, of the described premises”

Where filings record what this form replaced, they name earlier editions 01 10, 07 13. Only some filings record replacements.

• Edition in use: in the past 12 months, 4 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 64 of the same filings (98%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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.

• Tokio Marine Holdings Incorporated GroupUses BP 10 79 in 2 filings

• BP 00 03Businessowners Coverage Form64 filings
• BP 04 02Additional Insured – Managers Or Lessors Of Premises64 filings
• BP 04 06Additional Insured – Controlling Interest64 filings
• BP 04 07Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises64 filings
• BP 04 09Additional Insured – Mortgagee, Assignee Or Receiver64 filings
• BP 04 10Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased64 filings
• BP 04 11Additional Insured – Co–Owner Of Insured Premises64 filings
• BP 04 13Additional Insured – Engineers, Architects Or Surveyors64 filings
• BP 04 16Additional Insured – Lessor Of Leased Equipment64 filings
• BP 04 47Additional Insured – Vendors64 filings