(September 2019)
This list identifies endorsements by form number and title available to modify or attach to the Insurance Services Office (ISO) Businessowners Coverage Form. It does not include any terrorism endorsements or any state specific endorsements, changes, or amendments. This checklist is designed for use with the following:
Related Articles:
ISO Businessowners Program Available Endorsements and Their Uses
ISO Businessowners Program Exposure Analysis Checklist
ISO Businessowners Coverage Form Sample Insurance Proposal Language
Brochure: Understanding the ISO Businessowners Coverage Form
Place a checkmark beside any endorsement you recommend be included.
BP 03 12–Windstorm or Hail Percentage Deductibles
BP 04 01–Comprehensive Business Liability Exclusion (All Hazards in Connection with Designated Premises or Operations)
BP 04 02–Additional Insured–Managers or Lessors of Premises
BP 04 04–Hired and Non-Owned Auto Liability
BP 04 06–Additional Insured–Controlling Interest
BP 04 07–Additional Insured–State or Governmental Agency or Subdivision or Political Subdivisions–Permits or Authorizations Relating to Premises
BP 04 08–Additional Insured–Townhouse Associations
BP 04 09–Additional Insured–Mortgagee, Assignee, or Receiver
BP 04 10–Additional Insured–Owners or Other Interests from Whom Land Has Been Leased
BP 04 11–Additional Insured–Co-Owner of Insured Premises
BP 04 12–Limitation of Coverage to Designated Premises or Project
BP 04 13–Additional Insured–Engineers, Architects, or Surveyors
BP 04 15–Spoilage Coverage
BP 04 16–Additional Insured–Lessor of Leased Equipment
BP 04 17–Employment-Related Practices Exclusion
BP 04 19–Amendment–Liquor Liability Exclusion–Exception for Scheduled Activities
BP 04 30–Protective Safeguards
BP 04 31–Food Contamination
BP 04 37–Exclusion–Personal and Advertising Injury
BP 04 38–Medical Expenses–Exclusion
BP 04 39–Abuse or Molestation Exclusion
BP 04 40–Coverage for Injury to Leased Workers
BP 04 41–Business Income Changes–Time Period
BP 04 46–Ordinance or Law Coverage
BP 04 47–Additional Insured–Vendors
BP 04 48–Additional Insured–Designated Person or Organization
BP 04 49–Additional Insured–Engineers, Architects, or Surveyors Not Engaged by the Named Insured
BP 04 50–Additional Insured–Owners, Lessees, or Contractors–Scheduled Person or Organization (07 13 changes)
BP 04 51–Additional Insured–Owners, Lessees, or Contractors–With Additional Insured Requirement in Construction Contract
BP 04 52–Additional Insured–State or Governmental Agency or Subdivision or Political Subdivision–Permits or Authorizations (07 13 title change and other changes)
BP 04 53–Water Back-Up and Sump Overflow
BP 04 54–Newly Acquired Organizations
BP 04 55–Broadened Coverage for Damage to Premises Rented to You
BP 04 56–Utility Services–Direct Damage (07 13 change)
BP 04 57–Utility Services–Time Element
BP 04 58–Business Income and Extra Expense Coverage for Year 2000 Computer-Related and Other Electronic Problems
BP 04 64–Year 2000 Computer-Related and Other Electronic Problems–Limited Coverage Options
BP 04 71–Exclusion–Volunteer Workers
BP 04 83–Removal of Insurance-To-Value Provision
BP 04 84–Functional Building Valuation
BP 04 85–Functional Business Personal Property Valuation
BP 04 86–Vacancy Changes
BP 04 87–Vacancy Permit
BP 04 88–Liquor Liability
BP 04 89–Liquor Liability Coverage
BP 04 90–Pollution Exclusion–Limited Exception for a Short-Term Pollution Event
BP 04 91–Pollution Exclusion–Limited Exception for Designated Pollutant(s)
BP 04 92–Total Pollution Exclusion
BP 04 93–Total Pollution Exclusion with a Building Heating Equipment Exception and a Hostile Fire Exception
BP 04 94–Limited Pollution Liability Extension
BP 04 97–Waiver of Transfer of Rights of Recovery against Others to Us
BP 04 98–Employee Benefits Liability Coverage
BP 04 99–Extended Reporting Period for Employee Benefits Liability Coverage
BP 05 01–Calculation of Premium
BP 05 17–Exclusion–Silica or Silica-Related Dust
BP 05 47–Computer Fraud and Funds Transfer Fraud
BP 05 76–Changes–Limited Fungi Coverage
BP 05 77–Fungi or Bacteria Exclusion (Liability)
BP 05 78–Limited Fungi or Bacteria Coverage (Liability)
BP 05 89–Employment-Related Practices Liability Endorsement
BP 05 93–Loss of Rental Value–Landlord as Designated Payee
BP 05 94–Electronic Commerce (E-Commerce)
BP 05 95–Electronic Data Liability–Limited Coverage
BP 05 96–Electronic Data Liability–Broad Coverage
BP 05 97–Extended Reporting Period for Electronic Data Liability–Broad Coverage
BP 05 98–Amendment of Insured Contract Definition
BP 07 01–Contractors’ Installation, Tools, and Equipment Coverage
BP 07 02–Amendment–Aggregate Limits of Insurance (Per Project)
BP 07 03–Business Liability Coverage–Property Damage Liability Deductible (Per-Claim Basis)
BP 07 04–Business Liability Coverage–Property Damage Liability Deductible (Per-Occurrence Basis)
BP 07 07–Business Liability Coverage–Amendment of Liability and Medical Expenses Limits of Insurance
BP 07 08–Pesticide or Herbicide Applicator–Limited Pollution Coverage
BP 07 10–Motels
BP 07 11–Motel–Liability for Guests’ Property in Safe Deposit Boxes
BP 07 12–Self-Storage Facilities
BP 07 75–Apartment Buildings
BP 07 76–Apartment
Buildings–Liability for Loss or Damage to Tenants' Auto (Legal Liability
Coverage)
BP 07 77–Fine Arts Coverage
BP 07 78–Restaurants
BP 07 79–Restaurants–Loss or Damage to Customers' Autos (Legal Liability Coverage
BP 07 81–Residential Cleaning Services
BP 07 83–Photography
BP 07 84–Photography–Makeup and Hairstyling
BP 07 87–Photography–Amendment of Coverage Territory for “Photographic Equipment”–Worldwide Coverage
BP 08 01–Barber Shops and Hair Salons Professional Liability
BP 08 02–Funeral Directors Professional Liability
BP 08 03–Optical and Hearing Aid Establishments
BP 08 04–Printers Errors and Omissions Liability
BP 08 05–Veterinarians Professional Liability
BP 08 06–Pharmacists–Broad Coverage
BP 08 07–Pharmacists
BP 08 09 Beauty Salons Professional Liability
BP 10 03–Earthquake
BP 10 05–Exclusion–Year 2000 Computer-Related and Other Electronic Problems
BP 10 06–Exclusion–Year 2000 Computer-Related and Other Electronic Problems (Products-Completed Operations Hazard)
BP 10 07–Exclusion–Year 2000 Computer-Related and Other Electronic Problems–With Exception for Bodily Injury on Your Premises
BP 10 08–Year 2000 Computer-Related and Other Electronic Problems–Exclusion of Specified Coverages for Designated Locations, Operations, Products, or Services
BP 10 09–Named Perils
BP 10 10–Sprinkler Leakage–Earthquake Extension
BP 10 11–Earthquake and Volcanic Action (Sub-Limit)
BP 10 79–Flood Coverage
BP 10 80– Off-Premises Interruption Of Business - Vehicles And Mobile Equipment
BP 12 01–Businessowners Policy Changes
BP 12 02–Fire Department Service Contract
BP 12 03–Loss Payable Provisions
BP 12 31–Additional Insured–Building Owner
BP 14 01–Identity Fraud Expense Coverage
BP 14 02–Additional Insured–Owners, Lessees, Or Contractors–Completed Operations
BP 14 03–Theft of Clients' Property Coverage
BP 14 04–Windstorm or Hail Losses to Roof Surfacing–Actual Cash Value Loss Settlement
BP 14 05–Additional Insured–Grantor of Franchise
BP 14 06–Business Income, Extra Expense, and Related Coverages Limit Of Insurance
BP 14 07–Business Income and Extra Expense–Revised Period of Indemnity
BP 14 08–Exclusion–Exterior Insulation and Finish Systems
BP 14 09–Debris Removal Additional Insurance
BP 14 10–Brands and Labels
BP 14 11–Abuse Or Molestation Exclusion–Specified Services
BP 14 12–Exclusion–Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate–Seed Merchants
BP 14 13–Seed Merchants–Coverage for Erroneous Delivery or Mixture (Resulting Failure of Seed to Germinate Not Included)
BP 14 14–Seed Merchants–Coverage for Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate
BP 14 15–Limited Exclusion–Personal and Advertising Injury–Lawyers
BP 14 16–Snow Plow Products–Completed Operations Hazard Coverage
BP 14 17–Designated Location(s) General Aggregate Limit
BP 14 18–Designated Construction Project(s) General Aggregate Limit
BP 14 19–Exclusion–Damage to Work Performed by Subcontractors on Your Behalf
BP 14 20–Exclusion–Damage To Work Performed By Subcontractors On Your Behalf–Designated Sites or Operations (01 10 addition)
BP 14 21–Exclusion–Designated Work
BP 14 22–Exclusion–Products-Completed Operations Hazard
BP 14 23–Exclusion–Designated Products
BP 14 30–Discretionary Payroll Expense
BP 14 75–Increased Cost of Loss and Related Expenses for Green Upgrades
BP 14 78–Exclusion of Loss Due to By-Products of Production or Processing Operations (Rental Properties)
BP 14 79–Specified Business Personal Property Temporarily Away from Premises
BP 14 80–Higher Limits
BP 14 81–Limitations on Coverage for Roof
Surfacing
BP 14 82–Increase in Rebuilding Expenses following Disaster (Additional Expense Coverage on Annual Aggregate Basis)
BP 14 83–Employee Dishonesty–Named Employee(s)
BP 14 84–Windstorm or Hail Exclusion
BP 14 86–Communicable Disease Exclusion
BP 14 87–Additional Insured–Owners, Lessees, or Contractors–with Additional Insured Requirement for Other Parties in Construction Contract
BP 14 88–Primary and Noncontributory–Other Insurance Condition
BP 14 89–Liquor Liability Coverage–Bring Your Own Alcohol Establishments
BP 14 91–Amendment of Personal and Advertising Injury Definition
BP 15 04–Exclusion-Access or Disclosure of Confidential or Personal Information & Data-Related Liability-With Limited Bodily Injury Exception
BP 15 05–Exclusion-Access or Disclosure of Confidential or Personal Information & Data-Related Liability-Limited Bodily Injury Exception Not Included
BP 15 06–Exclusion-Access or Disclosure of Confidential or Personal Information (Personal & Advertising Injury Only)
BP 15 07–Information Security Protection Endorsement
BP 15 08–Payment Card Industry (PCI)-Provide Coverage for Defense Expenses & Fines or Penalties
BP 15 10–Provide
Coverage for Dishonest, Malicious or Fraudulent Acts Committed by Employees
BP 15
11–Exclusion – Unmanned Aircraft
BP 15
12–Limited Coverage for Designated Unmanned Aircraft
BP 15 30–Cannabis Property Exclusion
BP 15 31–Cannabis Property Exclusion with Hemp
Exception
BP 15 32–Cannabis Liability Exclusion
BP 15 33–Cannabis Liability Exclusion with Hemp
Exception
BP 15 34–Cannabis Liability Exclusion with Hemp
and Lessors Risk Exemptions
BP 17 01–Condominium Association Coverage
BP 17 02–Condominium Commercial Unit-Owners Coverage
BP 17 03–Condominium Commercial Unit-Owners Optional Coverages
BP 17 24–Condominiums, Co-Ops, Associations–Directors and Officers Liability Endorsement