Product background
Businessowners insurance packages property and liability coverage for small and midsize businesses, including offices, retail risks, and smaller apartment or service businesses.
BOP filing research is strongest when it follows eligibility rules, property extensions, liability limitations, state amendments, and endorsements that tailor a standard small-business package.
What forms make up a businessowners policy
An ISO businessowners policy is built from coverage forms, a declarations page and endorsements. The coverage form is BP 00 03 Businessowners Coverage Form (edition 08 24, filed by 32 carrier groups). BP DS 01 Businessowners Policy Declarations is the declarations page. Widely filed endorsements include BP 15 04 Exclusion – Access or Disclosure of Confidential or Personal Material or Information (39), BP 15 91 Exclusion – Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) (39), and BP 18 04 Exclusion – Violation of Law Addressing Data Privacy (32).
Common filing signals
- BOP policy forms, declarations, eligibility rules, and state amendments
- Property extensions, water backup, equipment breakdown, and protective safeguards endorsements
- Liability endorsements for additional insureds, employee benefits, exclusions, and hired or non-owned auto
Rate impact
| State | Filings | Avg |
|---|---|---|
| IN | 46 | +6.9% |
| PA | 41 | +6.5% |
| TN | 40 | +7.8% |
| GA | 39 | +6.2% |
| ID | 38 | +7.1% |
| TX | 38 | +12.5% |
| WI | 38 | +7.1% |
| VA | 36 | +5.7% |
| Carrier | Avg | Filings |
|---|---|---|
| Amtrust Financial Services Group14 states | +56.2% | 14 |
| DB Insurance Group11 states | +55.0% | 11 |
| Alliance Insurance Group3 states | +23.1% | 3 |
| Mountain West Farm Group2 states | +17.3% | 3 |
| Oregon Mutual Group2 states | +14.8% | 3 |
| MGT Group32 states | +13.6% | 48 |
| Nationwide Corporation Group20 states | +12.2% | 20 |
| Date | Carrier | State | Product | Impact | Max change |
|---|---|---|---|---|---|
| Dec 31, 2025 | Amtrust Financial Services Group | TX | Businessowners | +284.0% | +478.8% |
| Mar 30, 2026 | Amtrust Financial Services Group | SD | Businessowners | +198.0% | +198.0% |
| Mar 11, 2026 | Amtrust Financial Services Group | DE | Businessowners | +128.2% | +128.2% |
| Dec 11, 2025 | Amtrust Financial Services Group | NH | Businessowners | +126.8% | +126.8% |
| Dec 31, 2025 | Amtrust Financial Services Group | TX | Businessowners | +94.9% | +444.1% |
| Mar 30, 2026 | Amtrust Financial Services Group | SD | Businessowners | +88.3% | +88.3% |
| Dec 11, 2025 | Amtrust Financial Services Group | NH | Businessowners | +80.8% | +276.4% |
| Mar 13, 2026 | DB Insurance Group | OR | Businessowners | +80.7% | +80.7% |
Recent updates
| Product | Carrier | Status | Filings | Latest |
|---|---|---|---|---|
| Businessowners | Liberty Mutual Group | Revised | 282 | Nov 10, 2026 |
| Bis-Pak | Acuity, A Mutual Insurance Company | Revised | 56 | Nov 10, 2026 |
| Master Pac (Acj) | Travelers Group | Revised | 25 | Nov 10, 2026 |
| - 2026 ISO Bop Loss Cost Non-Adoptions | American Financial Group | Other | 21 | Nov 10, 2026 |
| Non-Adoption of ISO Loss Costs | Providence Mutual Fire Insurance Company | Other | 8 | Nov 10, 2026 |
| Business Owners | Iowa Farm Bureau Group | Revised | 6 | Nov 10, 2026 |
Top carriers
Top states
Insurance forms library
Form examples
- BP 15 91: Exclusion – Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS)
- 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