Coverage description
An Insurance Services Office (ISO) standard form. It extends the period of restoration under business income and extra expense coverage to include the added time needed to meet building, demolition, zoning or land use laws after covered damage to a building at the scheduled premises, with an option for laws changed after the loss.
How the form has changed
2 changes across 1 revision, newest first. Each edition is compared with the one before it, using wording from filed copies.
09 17 edition
Sep 2017, compared with 04 02Latest editionThe ordinances that qualify now include laws on demolition and zoning or land use, and the extension applies to damage to buildings at premises listed in the Schedule.
04 02
“Regulates the construction or repair of any property”
09 17
“establishes zoning or land use requirements at the described premises”
A new Post-Loss Ordinance Or Law Option, when shown in the Schedule, also covers delays from laws adopted or revised after the loss but before repair begins.
04 02
Not in this edition
09 17
“the ordinance or law is promulgated or revised after the loss but prior to commencement of reconstruction or repair”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 09 17Sep 2017Latest | 84 | 54 | 22 | Nov 2021 to Jul 2026 |
| 04 02Apr 2002 | 6 | 3 | 5 | Feb 2022 to Feb 2024 |
2 other edition dates appear in one or two filings each, often carrier-specific versions: 10 12, 07 88.
Where filings record what this form replaced, they name earlier edition 10 12. Only some filings record replacements.
What the filings show
- Edition in use: in the past 12 months, 3 companies filed the 09 17 edition.
- CP 10 30 (Causes of Loss - Special Form) is filed alongside it most often, in 90 of the same filings (97%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jul 2026, excluding withdrawn and rejected filings.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.
Carriers filing this form
The 10 carrier groups with the most filings that include CP 15 31, out of 32 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Grange Mutual CAS Group6 group companies filed it, led by Grange Indemnity Insurance Company and Grange Insurance Company | 10 | 9 | 09 17 | Apr 11, 2024 |
| Hastings Mutual Insurance Company | 6 | 5 | 09 17 | Mar 13, 2025 |
| Nationwide Corporation Group7 group companies filed it, led by Allied Insurance Company of America and Nationwide Property and Casualty Insurance Company | 6 | 3 | 09 17 | Mar 11, 2022 |
| Trisura GroupTrisura Insurance Company | 6 | 4 | 09 17 | Jul 10, 2026 |
| Amtrust Financial Services Group6 group companies filed it, led by CorePointe Insurance Company and Milford Casualty Insurance Company | 5 | 1 | 09 17 | Apr 10, 2025 |
| Markel Corporation Group2 group companies filed it, led by State National Insurance Company, Inc. and Markel Insurance Company | 5 | 3 | 04 0209 17 | Jul 6, 2023 |
| WCF Mutual Insurance Company Group2 group companies filed it, led by Associated Indemnity Corporation and WCF National Insurance Company | 5 | 3 | 09 17 | Mar 26, 2024 |
| Siriuspoint GroupSiriusPoint America Insurance Company | 4 | 2 | 09 17 | Sep 20, 2023 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 3 | 2 | 09 17 | Mar 21, 2025 |
| Amerisure Company Group3 group companies filed it, led by AMERISURE INSURANCE COMPANY and AMERISURE MUTUAL INSURANCE COMPANY | 3 | 3 | 09 17 | Jul 7, 2023 |
How the largest insurers handle CP 15 31
Groups among the largest commercial property insurers that filed CP 15 31 or their own version in the past five years.
- Berkshire Hathaway GroupUses CP 15 31 in 1 filing
See more forms
Search related forms, compare editions, and research carrier filings with FilingFocus.
States
Number of filings that include CP 15 31 in each state, Oct 2021 to Jul 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- CP 10 30Causes of Loss - Special Form90 filings
- CP 15 45Utility Services - Time Element86 filings
- CP 12 11Burglary and Robbery Protective Safeguards84 filings
- CP 00 10Building and Personal Property Coverage Form79 filings
- CP 00 30Business Income (and Extra Expense) Coverage Form78 filings
- CP 10 33Theft Exclusion77 filings
- CP 00 18Condominium Commercial Unit- Owners Coverage Form76 filings
- CP 03 20Multiple Deductible Form75 filings
- CP 12 18Loss Payable Provisions75 filings
- CP 04 11Protective Safeguards74 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Jul 17, 2026 | Mississippi Farm Bureau Casualty Insurance Company | MS | 09 17 | SFBC-134997156 |
| Jul 16, 2026 | Southern Farm Bureau Casualty Insurance Company | LA | 09 17 | SFBC-135019625 |
| Jul 10, 2026 | Trisura Insurance Company | WA | 09 17 | SHNF-134976660 |
| Jun 30, 2026 | Trisura Insurance Company | IL | 09 17 | SHNF-134983369 |
| Dec 4, 2025 | Trisura Insurance Company | CA | 09 17 | SHNF-134758544 |
| Oct 14, 2025 | Accredited Surety and Casualty Company, Inc. | OR | 09 17 | SHNF-134681277 |
| Oct 13, 2025 | Trisura Insurance Company | OR | 09 17 | SHNF-134681314 |
| Sep 8, 2025 | Starr Indemnity and Liability Company | CA | 09 17 | AUTH-134647369 |
| Aug 9, 2025 | Starr Indemnity and Liability Company | NM | 09 17 | AUTH-134633372 |
| Aug 7, 2025 | Starr Indemnity and Liability Company | SC | 09 17 | AUTH-134629716 |
| May 1, 2025 | Universal Fire and Casualty Insurance Company | SC | 09 17 | UFCI-134516617 |
| Apr 30, 2025 | Selective Way Insurance Company | MO | 09 17 | SELC-134494115 |
Most filed ISO CP forms
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- CP 12 18 Loss Payable Provisions
- CP 04 11 Protective Safeguards
- CP DS 00 Commercial Property Coverage Part Declarations Page
- CP 10 30 Causes of Loss - Special Form
- CP 03 20 Multiple Deductible Form
See more carrier forms
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