BUILDING AND PERSONAL PROPERTY COVERAGE FORM is used to insure buildings, business personal property, property of others, and improvements and betterments. Specific coverages can be listed and their limits shown on the declarations or the coverages can be combined with a single blanket limit. A causes of loss form is required in order to complete the coverage.

The scope of coverage provided may be broadened, limited or modified through the use of several endorsements. Examples of endorsements include ordinance or law coverage, debris removal, outdoor trees, shrubs and plants, and off-premises utility services.
(Use ACORD Form #140)
Related PF&M Article: ISO Commercial Property Program Overview