Coverage description
An Insurance Services Office (ISO) standard form. It lets the insurer apply either or both roof limits to scheduled buildings: settling roof surfacing losses at actual cash value, and excluding cosmetic windstorm or hail damage that does not stop the roof from keeping out the elements.
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 | 90 | 36 | 36 | Jan 2022 to Oct 2026 |
Where filings record what this form replaced, they name earlier edition PA and other forms N/A, VP 14 81. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 7 companies filed the 07 13 edition.
- BP 14 04 (Windstorm or Hail Losses to Roof Surfacing - Actual Cash Value Loss Settlement) is filed alongside it most often, in 48 of the same filings (53%).
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings.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 14 81, out of 26 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Berkshire Hathaway Group5 group companies filed it, led by Berkshire Hathaway Direct Insurance Company and United States Liability Insurance Company | 36 | 27 | 07 13 | Jul 4, 2026 |
| Grange Mutual CAS Group2 group companies filed it, led by Grange Insurance Company and Integrity Insurance Company | 9 | 9 | 07 13 | Apr 9, 2024 |
| Frankenmuth GroupFrankenmuth Mutual Insurance Company | 3 | 3 | 07 13 | Jun 25, 2024 |
| Jewelers Mutual GroupJewelers Mutual Insurance Company | 3 | 3 | 07 13 | Aug 28, 2026 |
| Oregon Mutual GroupOregon Mutual Insurance Company | 3 | 3 | 07 13 | May 23, 2025 |
| Pharmacists Mutual Group2 group companies filed it, led by Pharmacists Mutual Insurance Company and Chiron Insurance Company | 3 | 2 | 07 13 | Feb 26, 2025 |
| Randall & Quilter Investment GroupAccredited Surety and Casualty Company, Inc. | 3 | 3 | 07 13 | Oct 1, 2026 |
| CM Select Insurance Company | 2 | 2 | 07 13 | Apr 17, 2025 |
| Donegal Group2 group companies filed it, led by Donegal Mutual Insurance Company and Southern Insurance Company of Virginia | 2 | 1 | 07 13 | May 10, 2023 |
| 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 |
How the largest insurers handle BP 14 81
Groups among the largest businessowners insurers that filed BP 14 81 or their own version in the past five years.
- Tokio Marine Holdings Incorporated GroupUses BP 14 81 in 3 filings
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States
Number of filings that include BP 14 81 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 14 04Windstorm or Hail Losses to Roof Surfacing - Actual Cash Value Loss Settlement48 filings
- BP 00 03Businessowners Coverage Form42 filings
- BP 04 48Additional Insured - Designated Person or Organization42 filings
- BP 04 02Additional Insured - Managers or Lessors of Premises41 filings
- BP 04 06Additional Insured - Controlling Interest41 filings
- BP 04 07Additional Insured - State or Governmental Agency or Subdivision or Political Subdivision - Permits or Authorizations Relating to Premises41 filings
- BP 04 09Additional Insured - Mortgagee, Assignee or Receiver41 filings
- BP 04 10Additional Insured - Owners or Other Interests From Whom Land Has Been Leased41 filings
- BP 04 16Additional Insured - Lessor of Leased Equipment41 filings
- BP 04 41Business Income Changes - Time Period41 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 | 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 28, 2026 | Philadelphia Indemnity Insurance Company | NY | 07 13 | PHLX-134877701 |
| Jul 21, 2026 | Jewelers Mutual Insurance Company | NM | 07 13 | JMIC-134988770 |
| Jul 21, 2026 | Jewelers Mutual Insurance Company | IL | 07 13 | 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 |
| May 5, 2026 | Next Insurance US Company | CA | 07 13 | NXUS-134864137 |
| Mar 30, 2026 | Western Community Insurance Company | WA | 07 13 | FMID-134893255 |
| Nov 21, 2025 | The Medical Protective Companyand 1 more | WA | 07 13 | MDPC-134692382 |
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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