HO 04 12 Increased Limits on Business Property

An Insurance Services Office (ISO) standard form. It raises the homeowners special limit for business property on the residence premises by the scheduled amount and raises the limit for business property away from the premises to a percentage of the total.

1. 03 22 edition

   Mar 2022, compared with 05 11Latest edition

   • The limit for business property away from the residence premises drops from 60 percent to 50 percent of the total scheduled limit.

     05 11

     “is increased to an amount that is 60 percent of the Total Limit Of Liability”

     03 22

     Removed

2. 05 11 edition

   May 2011, compared with 10 00

   • The limit for business property away from the residence premises rises from 20 percent to 60 percent of the total scheduled limit.

     10 00

     “amount that is 20 percent of the Total Limit Of Liability”

     05 11

     “amount that is 60 percent of the Total Limit Of Liability”

Filed by one company only: 01 18 (Westfield Group, 7 filings).

1 other edition date appears in one or two filings each, often carrier-specific versions: 01/01/18.

Where filings record what this form replaced, they name earlier edition 10 00 and other forms HD0105, SF-512. Only some filings record replacements.

• Edition in use: in the past 12 months, 5 companies filed the 05 11 edition and 3 companies filed 03 22.
• The 01 18 edition appears only in filings from Westfield Group (7 filings in 7 states since Oct 23, 2023), which suggests a carrier-specific version.
• HO 04 10 (Additional Interests - Residence Premises) is filed alongside it most often, in 93 of the same filings (97%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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

• HO 04 10Additional Interests - Residence Premises93 filings
• HO 00 03Homeowners 3 - Special Form88 filings
• HO 04 41Additional Insured - Residence Premises87 filings
• HO 24 71Designated Business Pursuits Liability Coverage86 filings
• HO 04 65Coverage C Increased Special Limits of Liability82 filings
• HO 04 92Specific Structures Away From the Residence Premises - Actual Cash Value Loss Settlement82 filings
• HO 04 40Structures Rented to Others - Residence Premises81 filings
• HO 04 48Other Structures on the Residence Premises - Increased Limits80 filings
• HO 04 53Credit Card, Electronic Fund Transfer Card or Access Device, Forgery & Counterfeit Money Coverage - Increased Limit80 filings
• HO 24 70Additional Residence Rented to Others 1,2,3 or 4 Families80 filings