CP 00 10 Building and Personal Property Coverage Form

An Insurance Services Office (ISO) standard form. Coverage form for direct physical loss of or damage to your building and business personal property, and personal property of others in your care, from covered causes of loss, with additional coverages, extensions, limits, deductible and valuation conditions.

1. 10 12 edition

   Oct 2012, compared with 06 07Latest edition

   • The additional limit for debris removal expense rises from $10,000 to $25,000 per location.

     06 07

     “We will pay up to an additional $10,000”

     10 12

     “We will pay up to an additional $25,000”

   • A new extension covers business personal property temporarily stored in portable storage units, including detached trailers, near the described building or premises.

     06 07

     Not in this edition

     10 12

     “Business Personal Property Temporarily In Portable Storage Units”

   • Business personal property in the open or in a vehicle is now covered within 100 feet of the building or of the described premises, whichever is greater.

     06 07

     “100 feet of the described premises, consisting of the following unless otherwise specified”

     10 12

     “within 100 feet of the premises described in the Declarations, whichever distance is greater:”

   • The $2,500 annual limit for the electronic data additional coverage can now be raised by a higher limit in the Declarations.

     06 07

     “Electronic Data, is $2,500 for all loss or damage sustained”

     10 12

     “$2,500 (unless a higher limit is shown in the Declarations) for all loss or damage”

2. 06 07 edition

   Jun 2007, compared with 04 02

   • Outdoor signs are covered up to $2,500 per sign whether or not they are attached to a building, instead of $1,000 for signs attached to buildings only.

     04 02

     “outdoor signs attached to buildings is $1,000 per sign”

     06 07

     “whether or not the sign is attached to a building, is $2,500 per sign”

   • Increased cost of construction and electronic data join fire department service charge and pollutant clean-up as amounts separate from the other limits of insurance.

     04 02

     “The limits applicable to the Fire Department Service Charge and Pollutant Clean Up and Removal Additional Coverages are in addition to the Limits”

     06 07

     “are separate from the Limit(s) of Insurance shown in the Declarations for any other coverage”

3 other edition dates appear in one or two filings each, often carrier-specific versions: 05 26, 01 18, 10 90.

• Edition in use: in the past 12 months, 7 companies filed the 10 12 edition.
• CP 00 30 (Business Income (and Extra Expense) Coverage Form) is filed alongside it most often, in 125 of the same filings (94%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jul 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Berkshire Hathaway GroupUses CP 00 10 in 1 filing

• CP 00 30Business Income (and Extra Expense) Coverage Form125 filings
• CP 00 90Commercial Property Conditions113 filings
• CP 12 18Loss Payable Provisions113 filings
• CP 00 18Condominium Commercial Unit- Owners Coverage Form110 filings
• CP 01 40Exclusion of Loss Due to Virus or Bacteria99 filings
• CP 10 30Causes of Loss - Special Form98 filings
• IL 09 35Exclusion of Certain Computer- Related Losses97 filings
• CP 12 19Additional Insured - Building Owner96 filings
• CP 10 33Theft Exclusion94 filings
• CP 04 11Protective Safeguards89 filings