(June 2019)
This chart is a simple comparison between the three causes of loss forms available with the 10 12 edition of the Insurance Services Office (ISO) Commercial Property Program.
The term “Not Covered” is used when the particular item is not specifically addressed in the causes of loss form. The term “Excluded” is used when the particular item would have been covered except for a specific exclusion in the causes of loss form. The term “Included” is used when an item is specifically excluded but due to a specific coverage form exception it is no longer excluded.
Commercial Property Program Causes of Loss Forms Comparison |
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|
Covered Causes Of Loss |
CP 10 10–Basic |
CP 10 20–Broad |
CP 10 30–Special |
|
Fire |
Covered |
Covered |
Covered |
|
Lightning |
Covered |
Covered |
Covered |
|
Explosion |
Covered |
Covered |
Covered |
|
Wind and hail |
Covered |
Covered |
Covered |
|
Smoke |
Covered |
Covered |
Covered |
|
Aircraft/vehicle |
Covered |
Covered |
Covered |
|
Riot or civil commotion |
Covered |
Covered |
Covered |
|
Vandalism |
Covered |
Covered |
Covered |
|
Sprinkler leakage |
Covered |
Covered |
Covered |
|
Sinkhole/collapse |
Covered |
Covered |
Covered |
|
Volcanic action |
Covered |
Covered |
Covered |
|
Falling objects |
Not Covered |
Covered |
Covered |
|
Weight of ice, sleet and snow |
Not Covered |
Covered |
Covered |
|
Water damage |
Not Covered |
Covered |
Covered |
|
Risks of direct physical loss unless excluded or limited |
Not Covered |
Not Covered |
Covered |
|
Exclusions |
CP 10 10–Basic |
CP 10 20–Broad |
CP 10 30–Special |
|
Ordinance or law |
Excluded |
Excluded |
Excluded |
|
Earth movement |
Excluded |
Excluded |
Excluded |
|
Governmental action |
Excluded |
Excluded |
Excluded |
|
Nuclear hazard |
Excluded |
Excluded |
Excluded |
|
Utility services |
Excluded |
Excluded |
Excluded |
|
War and military action |
Excluded |
Excluded |
Excluded |
|
Water |
Excluded |
Excluded |
Excluded |
|
Fungus |
Excluded |
Excluded |
Excluded |
|
Electric arcing |
Excluded |
Excluded |
Excluded |
|
Delay, loss of market, etc. |
Not Covered |
Not Covered |
Excluded |
|
Smoke from agricultural or industrial smudging |
Not Covered |
Not Covered |
Excluded |
|
Wear and tear |
Not Covered |
Not Covered |
Excluded |
|
Exclusions (continued) |
CP 10 10–Basic |
CP 10 20–Broad |
CP 10 30–Special |
|
Rust and latent defect |
Not Covered |
Not Covered |
Excluded |
|
Smog |
Not Covered |
Not Covered |
Excluded |
|
Settling, cracking, shrinking |
Not Covered |
Not Covered |
Excluded |
|
Animal infestation |
Not Covered |
Not Covered |
Excluded |
|
Mechanical breakdown |
Not Covered |
Not Covered |
Excluded |
|
Marring, scratching |
Not Covered |
Not Covered |
Excluded |
|
Steam boiler explosion |
Excluded |
Excluded |
Excluded |
|
14-day water seepage |
Excluded |
Excluded |
Excluded |
|
Non-maintained frozen systems |
Not Covered |
Not Covered |
Excluded |
|
Dishonest acts by insured, employees, authorized representatives, and parties entrusted |
Not Covered |
Not Covered |
Excluded |
|
Trick, fraud or deceit |
Not Covered |
Not Covered |
Excluded |
|
Property in the open/rain damage |
Not Covered |
Not Covered |
Excluded |
|
Collapse |
Not Covered |
Not Covered |
Excluded |
|
Pollutant discharge |
Not Covered |
Not Covered |
Excluded |
|
Neglect to save and preserve property |
Excluded |
Excluded |
Excluded |
|
Weather conditions |
Not Covered |
Not Covered |
Excluded |
|
Acts or decisions |
Not Covered |
Not Covered |
Excluded |
|
Faulty, inadequate or defective planning, design, materials or maintenance |
Not Covered |
Not Covered |
Excluded |
|
Special Exclusions |
CP 10 10–Basic |
CP 10 20–Broad |
CP 10 30–Special |
|
Business Income–Finished stock |
Excluded |
Excluded |
Excluded |
|
Business Income–Television antenna |
Excluded |
Excluded |
Excluded |
|
Business Income–Delay |
Excluded |
Excluded |
Excluded |
|
Leasehold interest–Ordinance exception |
Included |
Included |
Included |
|
Leasehold interest–Lease cancellation |
Excluded |
Excluded |
Excluded |
|
Leasehold interest–License cancellation |
Excluded |
Excluded |
Excluded |
|
Leasehold interest–Consequential loss |
Excluded |
Excluded |
Excluded |
|
Legal Liability–Ordinance exception |
Included |
Included |
Included |
|
Legal Liability–Government action exception |
Included |
Included |
Included |
|
Legal Liability–Nuclear exception |
Included |
Included |
Included |
|
Legal Liability–Utility exception |
Included |
Included |
Included |
|
Legal Liability–War exception |
Included |
Included |
Included |
|
Legal Liability–Contractual exception |
Excluded |
Excluded |
Excluded |
|
Legal Liability–Nuclear hazard exception |
Excluded |
Excluded |
Excluded |
|
Loss of Damage to Products |
Not Covered |
Not Covered |
Excluded |
|
Steam boilers |
Not Covered |
Not Covered |
Limitation |
Special Exclusions (continued) |
CP 10 10–Basic |
CP 10 20–Broad |
CP 10 30–Special |
|
Hot water boilers |
Not Covered |
Not Covered |
Limitation |
|
Interior damage without exterior damage |
Limitation within coverage |
Limitation within coverage |
Limitation |
Building material not attached to building |
Limitation within coverage |
Limitation within coverage |
Limitation |
|
Inventory shortage |
Not Covered |
Not Covered |
Limitation |
|
Unauthorized transfer |
Not Covered |
Not Covered |
Limitation |
|
Damage to vegetated roofs by various weather conditions and diseases |
Not Covered |
Not Covered |
Not Covered |
|
Animals value limited to death or destruction |
Limitation |
Limitation |
Limitation |
|
Fragile items |
Not Covered |
Not Covered |
Breakage must be due to specified cause of loss. |
|
Non-owned builders, machinery, etc. |
Not Covered |
Not Covered |
Loss must be due to a specified cause of loss. |
|
Theft of furs |
Not Covered |
Not Covered |
Limitation |
|
Theft of jewelry |
Not Covered |
Not Covered |
Limitation |
|
Theft of patterns, dies, etc. |
Not Covered |
Not Covered |
Limitation |
|
Theft of stamps, tickets, etc. |
Not Covered |
Not Covered |
Limitation |
|
Repair of fire extinguishing devices |
Limitation within coverage |
Limitation within coverage |
Limitation |
|
Additional Coverage |
CP 10 10–Basic |
CP 10 20–Broad |
CP 10 30–Special |
|
Collapse |
Not Covered |
Covered |
Covered |
|
Limited fungus |
Covered up to $15,000 |
Covered up to $15,000 |
Covered up to $15,000 |
|
Property in transit |
Not Covered |
Not Covered |
Covered up to $5,000 |
|
Cost to tear out and replace parts of the building to repair system water damage |
Coverage only if automatic sprinkler system |
Covered within water damage cause of loss |
Covered |
|
Incidental expenses involved with glass repair |
Not Covered |
Not Covered |
Covered |
|
Definitions |
CP 10 10–Basic |
CP 10 20–Broad |
CP 10 30–Special |
|
Fungus |
Defined |
Defined |
Defined |
|
Specified Causes Of Loss |
N/A |
N/A |
Defined |