CP 00 32 Business Income (Without Extra Expense) Coverage Form

An Insurance Services Office (ISO) standard form. Coverage form that pays the actual loss of business income, including rental value, you sustain when your operations are suspended by direct physical loss or damage from a covered cause of loss, without extra expense coverage.

1. 10 12 edition

   Oct 2012, compared with 06 07Latest edition

   • Extended Business Income now runs up to 60 days after operations or tenant occupancy resume, instead of 30 days.

     06 07

     “30 consecutive days after the date determined in (1)(a) above”

     10 12

     “60 consecutive days after the date determined in (1)(a) above”

   • The $100,000 limit for newly acquired locations can now be raised by a higher limit shown in the Declarations.

     06 07

     Not in this edition

     10 12

     “$100,000 at each location, unless a higher limit is shown in the Declarations”

   • The $2,500 limit for Interruption Of Computer Operations can now be raised by a higher limit shown in the Declarations.

     06 07

     Not in this edition

     10 12

     “is $2,500 (unless a higher limit is shown in the Declarations)”

   • The electronic data limitation no longer applies to data that runs a building's elevator, lighting, heating, ventilation, air conditioning or security system.

     06 07

     Not in this edition

     10 12

     “integrated in and operates or controls a building's elevator, lighting, heating, ventilation, air conditioning or security system”

Filed by one company only: 04 02 (Indiana Farmers Mutual Group, 3 filings).

1 other edition date appears in one or two filings each, often carrier-specific versions: 10 90.

• Edition in use: in the past 12 months, 5 companies filed the 10 12 edition.
• The 04 02 edition appears only in filings from Indiana Farmers Mutual Group (3 filings in 3 states since Oct 6, 2023), which suggests a carrier-specific version.
• CP 00 30 (Business Income (and Extra Expense) Coverage Form) is filed alongside it most often, in 82 of the same filings (99%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jul 2026, excluding withdrawn and rejected filings.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

• CP 00 30Business Income (and Extra Expense) Coverage Form82 filings
• CP 00 10Building and Personal Property Coverage Form79 filings
• CP 00 50Extra Expense Coverage Form79 filings
• CP 10 33Theft Exclusion79 filings
• CP 12 18Loss Payable Provisions79 filings
• CP 00 40Legal Liability Coverage Form74 filings
• CP 10 10Causes of Loss - Basic Form74 filings
• CP 10 20Causes of Loss - Broad Form74 filings
• CP 04 17Utility Services - Direct Damage73 filings
• CP 00 17Condominium Association Coverage Form72 filings