Coverage description
An Insurance Services Office (ISO) standard form. It excludes businessowners liability for injury or damage caused by perfluoroalkyl or polyfluoroalkyl substances (PFAS), and for costs of testing, cleaning up or otherwise responding to them.
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 12 23Dec 2023Latest | 295 | 60 | 48 | Apr 2023 to Sep 2026 |
Where filings record what this form replaced, they name other forms BP PFAS X. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 14 companies filed the 12 23 edition.
- BP 18 04 (Exclusion – Violation Of Law Addressing Data Privacy) is filed alongside it most often, in 109 of the same filings (37%).
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Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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 15 91, out of 39 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Berkshire Hathaway Group6 group companies filed it, led by United States Liability Insurance Company and Mount Vernon Fire Insurance Company | 79 | 39 | 12 23 | Jul 4, 2026 |
| Insurance Services Office, Inc.Advisory Organization | 40 | 40 | 12 23 | Dec 6, 2023 |
| THE Hanover Insurance Group7 group companies filed it, led by Massachusetts Bay Insurance Company and The Hanover Insurance Company | 32 | 31 | 12 23 | Aug 24, 2026 |
| American Family Insurance Group3 group companies filed it, led by Midvale Indemnity Company and Austin Mutual Insurance Company | 28 | 23 | 12 23 | Feb 10, 2026 |
| Midwest Family GroupMidwest Family Mutual Insurance Company | 20 | 20 | 12 23 | Oct 24, 2024 |
| Grange Mutual CAS Group2 group companies filed it, led by Grange Insurance Company and Integrity Insurance Company | 10 | 10 | 12 23 | Aug 9, 2024 |
| MMG Insurance Company | 7 | 4 | 12 23 | Nov 26, 2025 |
| Ohio Mutual GroupUnited Ohio Insurance Company | 7 | 7 | 12 23 | Jul 9, 2024 |
| Merchants Mutual Group2 group companies filed it, led by Merchants Mutual Insurance Company and Merchants Preferred Insurance Company | 6 | 6 | 12 23 | Sep 11, 2025 |
| Pekin Insurance GroupPekin Insurance Company | 6 | 6 | 12 23 | Mar 18, 2024 |
How the largest insurers handle BP 15 91
Groups among the largest businessowners insurers that filed BP 15 91 or their own version in the past five years.
- Hartford Fire & CAS GroupFiles its own version: SL 21 1509 22 Exclusion – Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) (2 states)
- Chubb Limited GroupUses BP 15 91 in 1 filing
- Tokio Marine Holdings Incorporated GroupUses BP 15 91 in 2 filings
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States
Number of filings that include BP 15 91 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 18 04Exclusion – Violation Of Law Addressing Data Privacy109 filings
- BP 15 04Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information77 filings
- BP 18 03Cyber Incident Liability Exclusion67 filings
- BP 05 95Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion62 filings
- BP 18 09Exclusion – Electronic Data – Deletion Of Bodily Injury Exception59 filings
- BP 15 06Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information (Personal And Advertising Injury Only)57 filings
- BP 18 05Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion, Deletion Of Bodily Injury Exception54 filings
- BP 18 07Cyber Incident Liability Coverage Subject To Each Cyber Incident Occurrence And Aggregate Limits53 filings
- BP 18 08Cyber Incident Liability Coverage And Electronic Data Liability Coverage Subject To Loss Of Electronic Data, Each Cyber Incident Occurrence And Aggregate Limits53 filings
- BP 18 06Cyber Incident Liability Exclusion For Electronic Data Liability – Broad Coverage52 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 | 12 23 | STTR-134866316 |
| Aug 24, 2026 | NOVA Casualty Company | CA | 12 23 | HNVR-G135064859 |
| Jul 28, 2026 | Philadelphia Indemnity Insurance Company | NY | 12 23 | PHLX-134877701 |
| Jul 21, 2026 | Jewelers Mutual Insurance Company | NM | 12 23 | JMIC-134988770 |
| Jul 21, 2026 | Jewelers Mutual Insurance Company | IL | 12 23 | JMIC-135013506 |
| Jul 9, 2026 | Millers Capital Insurance Company | NC | 12 23 | MCIC-134934375 |
| Jul 8, 2026 | Millers Capital Insurance Company | PA | 12 23 | MCIC-134934378 |
| Jul 8, 2026 | Millers Capital Insurance Company | VA | 12 23 | MCIC-134934380 |
| Jul 4, 2026 | The Medical Protective Companyand 1 more | IL | 12 23 | MDPC-135004347 |
| Jul 1, 2026 | Millers Capital Insurance Company | DE | 12 23 | MCIC-134934370 |
| Jun 30, 2026 | Millers Capital Insurance Company | MD | 12 23 | MCIC-134934373 |
| May 13, 2026 | DB Insurance Co., Ltd.(U.S. Branch) | CA | 12 23 | DNBU-134947633 |
Most filed ISO BP forms
- 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
- BP 04 06 Additional Insured – Controlling Interest
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