ISO BUSINESSOWNERS PROGRAM AVAILABLE ENDORSEMENTS AND THEIR USES

(July 2026)

INTRODUCTION

This list identifies endorsements available to modify the Insurance Services Office (ISO) Businessowners Coverage Form. It is arranged by form number and title and briefly describes and explains how each endorsement is used. It does not include any terrorism forms or endorsements or state-specific endorsements, changes, or amendments. New endorsements introduced or endorsements changed in the 12 23 and 08 24 edition are in bold print.

FORM NUMBERING

The ten-digit numbering sequence of ISO forms and endorsements has a very specific meaning.

The first two entries are alphabetical characters that indicate the line of insurance involved. For example, BP denotes Businessowners Program.
The next two digits designate the specific insurance category. Additional details and information on these categories are in the next section below.
The next two digits are the form or endorsement number within the insurance category.
The last four digits are the edition date of the endorsement expressed in month and year format. These digits are not used in this analysis.

DECLARATIONS AND SCHEDULES (BP DS)

BP DS 01–Businessowners Policy Declarations (08 24 edition)

This is the declarations for the 08 24 edition of the ISO Businessowners Policy.

· The 12:00 PM exception for Michigan and North Carolina was deleted because it is no longer needed.

· The Earthquake/Volcanic Action Percentage Deductible section has been removed. If relevant, this detail should now be entered under ISO's Businessowners Earthquake And Volcanic Eruption Endorsement BP 10 03.

Related Article: BP DS 01–Businessowners Policy Declarations

BP DS 02–Apartment Buildings Supplemental Schedule

This schedule supplements BP DS 01–Businessowners Policy Declarations when insuring apartment buildings and including BP 07 75–Apartment Buildings.

BP DS 03–Restaurants Supplemental Schedule

This schedule supplements BP DS 01–Businessowners Policy Declarations when insuring restaurants and including BP 07 78–Restaurants.

BP DS 06–Flood Coverage Schedule (07 13 edition)

This schedule supplements BP DS 01–Businessowners Policy Declarations and is used when BP 10 79–Flood Coverage is provided. It includes spaces to list and describe the covered locations, the applicable deductibles, and limits, either on a blanket basis for all coverages at all locations or as scheduled limits for specific coverages at each location. The 07 13 edition adds a provision for a limited exception and addresses Underlying Insurance Waivers.

BP DS 07–Photography–Supplemental “Photographic Equipment” Schedule (07 13 edition)

This schedule is used to list and describe individual photographic equipment and its/their value(s).

BP DS 09-Auto Service Risks – Supplemental Schedule (New 08 24 edition)

In the 08 24 edition, forms were introduced to incorporate Auto Service Risks into the ISO BOP program. This is the schedule to be completed to provide information when the BP 15 98 is being used.

INDEX (BP IN)

BP IN 01–Businessowners Coverage Form Index (08 24 edition)

This index is used to locate the various parts of BP 00 03–Businessowners Coverage Form. The 08 24 changes align with the pagination and other changes in the 08 24 edition of BP 00 03–Businessowners Coverage Form.

COVERAGE FORM (BP 00)

BP 00 03–Businessowners Coverage Form

Related Article: BP 00 03–Businessowners Coverage Form Analysis

DEDUCTIBLE ENDORSEMENTS (BP 03)

BP 03 12–Windstorm or Hail Percentage Deductibles

This endorsement makes windstorm or hail deductibles of 1%, 2% or 5% available. The deductible selected applies separately to each building if more than one building is involved, to the building and business personal property in any single building, to business personal property in each building if more than one building is involved, and to personal property in the open.

ADDITIONAL COVERAGE ENDORSEMENTS (BP 04)

BP 04 01–Comprehensive Business Liability Exclusion (All Hazards in Connection with Designated Premises or Operations)

This policy does not cover injuries or damages connected to specific premises, related activities, products made or shipped from those premises, or risks from activities and completed products listed in the policy schedule.

BP 04 02–Additional Insured–Managers or Lessors of Premises (08 24 edition)

This endorsement adds the owner, lessor, or property manager as an additional insured for liability coverage at locations the named insured leases and occupies.

NOTE: The 08 04 edition updated the wording to clarify that additional insureds are only covered for vicarious or contributory negligence, not for their sole negligence, and coverage only applies when injuries or damages are caused by the named insured or their representatives. This limits coverage for additional insureds and aligns more closely with the endorsements' intended purpose.

BP 04 04–Hired and Non-Owned Auto Liability

This endorsement provides liability coverage for bodily injury or property damage caused by the use of hired autos (vehicles leased, hired, rented, or borrowed by the insured) and non-owned autos (vehicles not owned, leased, or borrowed by the insured but used in their business). This coverage is excess over any primary insurance for the covered vehicles.

BP 04 06–Additional Insured–Controlling Interest (08 24 edition)

This endorsement extends insured status to certain additional parties only for liabilities related to their financial control or ownership/maintenance of relevant premises. Coverage is limited by law and contract terms, does not include structural changes or construction/demolition work, and won’t increase the policy’s insurance limits. Coverage for additional insureds is capped at the lesser of the contractual requirement or the policy limit.

NOTE: The 08 24 edition removes the wording indicating that limits of insurance are as “shown in the Declarations” because the limits may be reflected in another endorsement on the policy.

BP 04 07–Additional Insured–State or Governmental Agency or Subdivision or Political Subdivisions–Permits or Authorizations Relating to Premises (08 24 edition)

This endorsement was previously BP 04 07–Additional Insured–State or Political Subdivisions–Permits Relating to Premises. It adds a state or governmental agency or subdivision or political subdivision as an additional insured for certain hazards for which it issued a permit or authorization to the named insured in connection with the premises. Examples include permits issued for advertising signs, awnings, canopies, driveways, manholes, street banners or decorations, or to construct, erect, or remove elevators.

Coverage is limited by law and by any contract requirements, and will not exceed the lesser of the contract requirements or the policy limits. This endorsement does not increase the overall policy limits.

NOTE: The 08 24 edition removes the wording indicating that limits of insurance are as “shown in the Declarations” because the limits may be reflected in another endorsement on the policy.

BP 04 08–Additional Insured–Townhouse Associations (08 24 edition)

This endorsement gives additional insured status to individual townhouse owners for their liability as members of the townhouse association listed as a named insured on the declarations. Coverage does not apply to the liability of individual unit owners that comes from the real property titled to them or the part of the premises the unit-owner uses or occupies exclusively.

BP 04 09–Additional Insured–Mortgagee, Assignee, or Receiver (08 24 edition)

This endorsement amends liability coverage by adding that persons or organizations listed in the schedule are additional insureds, but only for liability as mortgagee, assignee, or receiver related to the premises as shown. Coverage for additional insureds is limited to what is legally permitted and cannot be broader than required by contract or agreement. The insurance does not apply to structural changes, new construction, or demolition by or for the additional insured. For these additional insureds, the insurer will pay the lesser of the amount required by contract or the available policy limits, and no increase in policy limits occurs as a result of this endorsement.

NOTE: The 08 24 edition removes the wording indicating that limits of insurance are as “shown in the Declarations” because the limits may be reflected in another endorsement on the policy.

BP 04 10–Additional Insured–Owners or Other Interests from Whom Land Has Been Leased (08 24 edition)

This endorsement adds the owner or another interest holder from whom the named insured has leased land as an additional insured for liability arising out of owning, maintaining, or using the land. Coverage does not apply to events that occur after the lease ends or to any structural alterations, new construction, or demolition operations.

Coverage is limited by law and contract terms and cannot exceed contract requirements or policy limits. There are exclusions for incidents after the lease ends and for construction or demolition by the additional insured. This endorsement does not increase the policy limits.

NOTE: The 08 24 edition removes the wording indicating that limits of insurance are as “shown in the Declarations” because the limits may be reflected in another endorsement on the policy.

BP 04 11–Additional Insured–Co-Owner of Insured Premises (08 24 edition)

This endorsement adds, as an additional insured, the person or organization on the endorsement schedule that owns the scheduled premises in common with the named insured, with respect to liability coverage as a co-owner of the premises.

Coverage is limited to what is allowed by law and will not exceed the requirements of any related contract or agreement. The insurance limits for these additional insureds are capped at the lesser of the contract requirement or the policy's limits, and this endorsement does not increase the total insurance coverage.

NOTE: The 08 24 edition removes the wording indicating that limits of insurance are as “shown in the Declarations” because the limits may be reflected in another endorsement on the policy.

BP 04 12–Limitation of Coverage to Designated Premises or Project

This endorsement amends Section II - Liability of an insurance policy. It updates the coverage conditions for bodily injury and property damage, specifying that coverage applies only if the incident occurs within the coverage territory, on scheduled premises, or related to a listed project or operation, and if no insured or authorized employee was aware of the incident before the policy period. It also clarifies that coverage for personal and advertising injury is limited to offenses arising from business on the scheduled premises or project, with special restrictions for offenses like false arrest or wrongful eviction. Additionally, the provisions for payment of medical expenses are revised. Expenses are covered only for accidents in the coverage territory, on scheduled premises or related projects, during the policy period, and must be reported within one year, with the injured person required to submit to examinations as needed.

Related Court Cases:

Bachelor Party Goes Bad

Designated Premises or Project Endorsement Is Not Specific Enough

BP 04 13–Additional Insured–Engineers, Architects, or Surveyors (08 24 edition)

This endorsement includes as an additional insured an architect, engineer, or surveyor the named insured hires. However, this is only with respect to liability that arises from the named insured's actions or omissions or the actions or omissions of others that act on its behalf with respect to the named insured’s premises or work performed on its behalf. Coverage applies to ongoing operations but not to completed operations.

Coverage is limited by law and contract requirements, and the maximum payout is the lesser of the contract requirement or the policy limit. The endorsement does not increase the policy’s insurance limits.

NOTE: The 08 24 edition removes the wording indicating that limits of insurance are as “shown in the Declarations” because the limits may be reflected in another endorsement on the policy.

BP 04 15–Spoilage Coverage

This endorsement covers spoilage losses to perishable stock located at the scheduled premises, whether the insured owns it or the property is in the insured’s care. It does not cover property located in buildings, in the open, or in vehicles.

BP 04 16–Additional Insured–Lessor of Leased Equipment (08 24 edition)

This endorsement extends liability coverage to the person or organization on the endorsement schedule that leases equipment to the named insured. Coverage applies to only liability that arises out of the named insured maintaining, operating, or using the lessor’s equipment. Spaces are provided to describe the leased equipment and the location(s) where it is kept.

The coverage is restricted to what is required by law or contract, does not apply after the lease ends, and does not increase the policy limits.

NOTE: The 08 24 edition removes the wording indicating that limits of insurance are as “shown in the Declarations” because the limits may be reflected in another endorsement on the policy.

BP 04 17–Employment-Related Practices Exclusion

This endorsement excludes liability that arises out of employment-related practices. It also excludes consequential injuries that result from these practices, whether the event that caused the injury occurs before, during, or after the person’s employment.

BP 04 18–Amendment – Liquor Liability Exclusion (New 08 24 edition)

This endorsement was reintroduced in the 08 24 edition update after previously being removed.

This exclusion replaces Paragraph 1.c. under B. Exclusions in Section II – Liability and excludes claims for bodily injury or property damage resulting from intoxication, providing alcohol to minors or intoxicated individuals, or breaking alcohol laws. It also applies to claims involving negligent supervision or transportation related to alcohol.

The exclusion applies if the insured is involved in manufacturing, selling, distributing, serving, or furnishing alcohol for a fee, serving alcohol without a license, or permitting alcohol consumption on the premises.

BP 04 19–Amendment–Liquor Liability Exclusion–Exception for Scheduled Activities (08 24 edition)

This endorsement serves the same purpose as the new BP 04 18 above but also includes a schedule specifying premises or activities where the exclusion does not apply.

BP 04 30–Protective Safeguards (08 24 edition)

This endorsement is applicable when a rate or premium credit is given to account for the protective safeguards listed on the schedule as installed at the specified location. The named insured commits to keeping these safeguards in proper working order at all times, or else coverage may be denied. Because this endorsement functions as a warranty, a loss can be excluded even if it is not directly related to the absence or malfunction of the protective safeguard.

NOTE: The 08 24 edition adds wording that the devices must be turned on at all times. If the Automatic Commercial Cooking Exhaust and Extinguishing System is turned off because of breakage, leakage, freezing conditions, or sprinkler head opening, the carrier does not need to be notified if full protection is restored within 48 hours.

BP 04 31–Food Contamination

This endorsement provides additional coverage for food contamination incidents at a business. If a business is ordered closed due to actual or suspected food contamination, the policy will cover expenses such as cleaning equipment, replacing contaminated food, medical testing or vaccinations for affected employees, loss of business income (beginning 24 hours after closure notice), and extra advertising costs to restore reputation.

Payment limits apply: $10,000 total for most costs (unless a higher limit is stated in the policy schedule) and $3,000 for advertising expenses. The policy excludes payment of fines or penalties from health authorities. Additionally, the usual exclusion for virus or bacteria does not apply to this coverage. "Food contamination" is defined as illness resulting from tainted, improperly handled, or employee-contaminated food.

BP 04 37–Exclusion–Personal and Advertising Injury

This endorsement deletes all personal and advertising injury liability coverage.

BP 04 38–Medical Expenses–Exclusion

This endorsement excludes medical expenses at the locations or for the classifications on the endorsement schedule. Coverage is added to the Liability Supplementary Payments for first aid administered to others at the time of an accident.

BP 04 39–Abuse or Molestation Exclusion (WITHDRAWN 08 24 edition)

This endorsement excludes injury or damage due to abuse and molestation. This includes negligent employment, investigation, supervision, failure to report to proper authorities, or retention of individuals who committed or were involved in such acts.

NOTE: This form was withdrawn with the 08 24 edition and replaced with BP 06 39 – Broad Abuse or Molestation Exclusion; BP 1640 – Sexual Abuse or Molestation Exclusion; BP 1641 – Sexual Abuse or Sexual Molestation Liability Coverage; and BP 16 42 – Sexual Abuse or Sexual Molestation of Any Person Committed By The Insured Liability Coverage.

BP 04 40–Coverage for Injury to Leased Workers

This endorsement provides employers liability coverage for leased and temporary workers by changing the definition of employee to not include leased worker or temporary worker. This change applies to only the Employers Liability exclusion. It is recommended for businesses that do not carry workers compensation insurance and use only leased employees.

BP 04 41–Business Income Changes–Time Period

This endorsement revises the Civil Authority Additional Coverage period to apply for up to four consecutive weeks from the date of the relevant action.

Business Income From Dependent Properties Additional Coverage begins immediately after direct physical loss or damage occurs at the dependent property's premises.

The definition of "period of restoration" is updated to start immediately after direct physical loss or damage at the described premises.

BP 04 46–Ordinance or Law Coverage (08 24 edition)

This endorsement provides coverage for expenses necessary to comply with ordinances or laws in effect at the time of a loss.

NOTE: The 08 24 edition adds an option to cover ordinances or laws enacted or amended after a loss but before rebuilding, when needed for permits or occupancy (post-loss ordinance/law option). Coverage for damage to undamaged parts of a building is included within the building’s insurance limit, and the policy explains how these limits function, especially if there are lower sub-limits for earthquake or flood coverage.

Related Article: BP 04 46–Ordinance or Law Coverage

BP 04 47–Additional Insured–Vendors (08 24 edition reflects editorial changes)

This endorsement amends BP 00 03 Section II–Liability C. Who is an Insured. It adds products liability coverage for vendors named on the endorsement schedule as additional insureds for the products listed. It covers bodily injury or property damage liability that arises from the named insured’s products the vendor sells or distributes in the course of its normal business operations, subject to the endorsement's exclusions and limitations.

The coverage amount is capped by the lesser of the contract requirement or the policy limit, without increasing the overall policy limits.

BP 04 48–Additional Insured–Designated Person or Organization (08 24 edition)

This endorsement amends BP 00 03 Section II–Liability C. Who is an Insured. It allows the named insured contractor to cover any additional insured when no other specific additional insured endorsement applies. It covers the party named on the endorsement schedule for bodily injury or property damage liability caused by the named insured’s acts or omissions or by acts or omissions of others that act on its behalf. Loss or damage must occur in the course of the insured's ongoing operations or at premises it owns or rents, subject to the endorsement's exclusions and limitations.

Coverage is limited by law and any contract terms, and the insurance limits for additional insureds will not exceed the lesser of the policy limits or contract requirements. The endorsement does not increase overall coverage limits.

NOTE: The 08 24 edition removes the phrase “shown in the declarations” in order to address limits of insurance that may be provided by another endorsement on the policy.

BP 04 49–Additional Insured–Engineers, Architects, or Surveyors Not Engaged by the Named Insured (08 24 edition)

Engineers, architects, or surveyors listed in the schedule are added as additional insureds for liabilities connected to the insured’s operations, but only if they are contractually required. Covered losses must be caused by the named insured’s act or omission or by acts or omissions of others that act on its behalf. Losses caused solely by the designated additional insured are excluded.

Coverage is limited to what the law and the contract allow, and the policy’s limits will not be increased by this endorsement.

NOTE: The 08 24 edition removes the phrase “shown in the declarations” in order to address limits of insurance that may be provided by another endorsement on the policy.

BP 04 50–Additional Insured–Owners, Lessees, or Contractors–Scheduled Person or Organization

This endorsement adds persons or organizations as additional insureds for liability during ongoing operations at designated locations. Coverage is limited to legal and contractual bounds and does not apply to injuries after work completion or use, except for repairs or maintenance. Payment to additional insureds is capped at the lower of the contract or policy limit, without increasing overall policy limits.

NOTE: The 08 24 edition removes the phrase “shown in the declarations” in order to address limits of insurance that may be provided by another endorsement on the policy.

BP 04 51–Additional Insured–Owners, Lessees, or Contractors–Automatic Status When Required In A Written Construction Agreement With You (08 24 edition)

This endorsement allows persons or organizations for whom you perform operations to become additional insureds if required by written contract. Their coverage is limited to liabilities arising from your ongoing operations and only applies within legal and contractual limits. The additional insured status ends when operations are complete or the contract ends. Coverage does not apply after all work is finished or the work is put to its intended use, and the coverage amount is capped at the lower of the contract requirement or policy limits. This endorsement does not increase the overall insurance limits.

NOTE: The 08 24 edition removes the phrase “shown in the declarations” in order to address limits of insurance that may be provided by another endorsement on the policy. Also, the title of this endorsement was changed to provide consistency with other automatic additional insured endorsement titles.

BP 04 52–Additional Insured–State or Governmental Agency or Subdivision or Political Subdivision–Permits or Authorizations (08 24 edition)

This endorsement was previously BP 04 52–Additional Insured–State or Political Subdivisions–Permits. It designates certain state or governmental agencies and subdivisions as additional insureds, provided they are listed in the schedule and only for operations performed under permit or authorization. The coverage for these additional insureds is limited to what is permitted by law and cannot exceed the requirements of any relevant contract or agreement.

The endorsement specifically excludes coverage for bodily injury, property damage, or personal and advertising injury arising from operations for federal, state, or municipal governments, as well as completed operations hazards. The maximum coverage available to these additional insureds is the lesser of the insurance required by contract or the policy's available limits, and the endorsement does not increase the overall policy limits.

NOTE: The 08 24 edition removes the phrase “shown in the declarations” in order to address limits of insurance that may be provided by another endorsement on the policy.

BP 04 53–Water Back-Up and Sump Overflow (08 24 edition)

· This endorsement provides limited coverage for direct physical loss or damage to covered property caused by water or waterborne material backing up or overflowing from sewers, drains, or sump pumps. Key points include:

· Coverage applies to water damage from sewer/drain backup or sump pump overflow, but does not cover the cost to repair/replace the sump pump itself if it breaks down.

· Exclusions apply if the insured fails to maintain or repair the sump pump, sewers, or drains, or if the failure is due to a power outage, unless power failure coverage is endorsed.

· The maximum payout for all claims in a policy year is $5,000 per location (unless a different limit is listed), both for property damage and for business income/extra expense losses.

· Coverage only applies to losses occurring in the policy year when the event began.

· Certain water-related losses (like flood, surface water, mudslide, or underground water seepage) remain excluded, except for resulting fire, explosion, or sprinkler leakage.

NOTE: The 08 24 edition does not change coverage. It reinforces that the exclusion in BP 00 03 for mechanical breakdown does not apply to the coverage provided under BP 04 53.

BP 04 54–Newly Acquired Organizations

This endorsement covers newly acquired organizations or organizations the named insured forms during the policy period for up to 90 days or until expiration, whichever occurs first.

BP 04 55–Broadened Coverage for Damage to Premises Rented to You

BP 04 56–Utility Services–Direct Damage

This endorsement covers loss or damage to specified property caused by utility service interruptions (water, communication, or power) due to physical damage by a covered cause. Covered utility property includes water supply facilities, communication lines (excluding overhead unless listed), and power supply assets (excluding overhead unless stated). It excludes electronic data loss. Utility coverage limits are part of the overall property limits and do not increase total coverage unless specified.

BP 04 57–Utility Services–Time Element

This endorsement provides coverage for loss of Business Income or Extra Expense resulting from the interruption of utility services (water, wastewater, communication, or power supply) to the insured premises, as long as the interruption is caused by direct physical loss or damage from a covered peril to specified utility property. Coverage applies only to the types of utility property indicated in the policy schedule and excludes overhead transmission lines unless specified.

Exceptions include:

· No coverage for losses related to interruption in utility service that causes loss or damage to electronic data.

· No coverage for interruptions caused by heavy rainfall or flooding affecting wastewater removal.

· The types of covered utility property include:

o Water supply (pumping stations, water mains)

o Wastewater removal (sewer mains, pumping stations, treatment or disposal facilities)

o Communication supply (transmission lines, coaxial cables, relays, except satellites and certain overhead lines)

o Power supply (generating plants, switching stations, substations, transformers, transmission lines, with certain overhead lines excluded)

The maximum payment for any one occurrence is limited to the amount shown in the policy schedule for the covered property.

BP 04 58–Business Income and Extra Expense Coverage for Year 2000 Computer-Related and Other Electronic Problems

This endorsement insures the named insured's business against loss of business income or extra expenses incurred due to computer programming or processing errors related to a system or software's inability to address, handle, and resolve calendar dates or times. It pays for only loss of business income or extra expenses that relate directly to computer processing problems. The annual aggregate limit for all losses and/or expenses is $25,000.

BP 04 64–Year 2000 Computer-Related and Other Electronic Problems–Limited Coverage Options

This endorsement provides limited protection for bodily injury, property damage, and personal and advertising injury liability because of computer programming or processing errors that a system or software could not address, handle, or resolve that involved calendar dates or times. It extends the coverage and limits to apply to such losses but only to locations, products, or operations on the endorsement schedule.

BP 04 71–Exclusion–Volunteer Workers (08 24 edition)

This endorsement removes the term volunteer workers from the coverage form and eliminates volunteer workers as insureds.

NOTE: The 08 24 edition updates the title for consistency with CG 21 66. Also, an addition is added stating that if BP 15 11 or BP 1512 is attached to the policy, bodily injury or property damage that results from ownership, maintenance, use, or entrustment of aircraft, automobiles, or watercraft operated by any volunteer worker is excluded. Coverage for this exposure would be more appropriate under a Commercial Auto policy.

BP 04 83–Removal of Insurance-To-Value Provision

This endorsement eliminates the requirement that property be insured to 80% of its replacement value at the time of loss for the loss to be adjusted on a replacement cost basis. Property losses will be paid at replacement cost without deducting for depreciation, but only up to the lowest of the policy limit, the cost to replace with similar property on the same premises, or the actual amount spent to repair or replace. If a building is rebuilt at a new location, payment is limited to the cost at the original location.

BP 04 84–Functional Building Valuation (08 24 edition)

This condition replaces the valuation loss condition by agreeing to pay to replace a damaged building on the same site with a functionally equivalent building. In case of a partial loss, the damaged portion of the building is repaired with less costly material. The named insured should carefully evaluate and consider the building limit it chooses when it selects this option. This endorsement includes ordinance or law provisions for direct damage loss. It also has an option to include business income and extra expense coverage for the additional time needed to comply with ordinance or law changes.

NOTE: The 08 24 edition adds an option for coverage of ordinances or laws enacted or changed after a loss but before rebuilding, when needed for permits or occupancy (post-loss ordinance/law option).

BP 04 85–Functional Business Personal Property Valuation

This condition replaces the valuation loss condition. It agrees to pay to replace damaged business personal property with functionally equivalent property or property valued on a market value basis. The named insured should carefully evaluate and consider the business personal property limit it chooses when it selects this option.

BP 04 86–Vacancy Changes

This endorsement modifies the Vacancy Property Loss Condition in the insurance policy. It states that a building is considered vacant unless a certain percentage of its total square footage is either: (1) leased and actively used by a lessee or sub-lessee for their usual business activities, or (2) utilized by the owner for their regular operations.

BP 04 87–Vacancy Permit (08 24 edition)

This endorsement amends the vacancy provision to temporarily suspend applying the vacancy provision at only the premises and buildings on the endorsement schedule for the time period selected. It has some flexibility in that loss or damage due to vandalism or sprinkler leakage can be excluded during the period of suspension.

NOTE: The Condominium Commercial Unit-owners Coverage form is no longer available, so reference to that form was deleted in the 08 24 edition.

BP 04 88–Liquor Liability

This endorsement adds liquor liability coverage by deleting the liquor liability exclusion. It is used in cases where an insured has limited exposure to such losses. It should not be used when BP 04 89–Liquor Liability Coverage is used.

BP 04 89–Liquor Liability Coverage

This endorsement adds liquor liability coverage. It applies to businesses that have significant liquor liability exposures and covers bodily injury and property damage liability related to their furnishing liquor. Coverage does not apply if the named insured operates without a license when legally required to have one. It is limited to the aggregate and per-cause limits on the endorsement schedule.

BP 04 90–Pollution Exclusion–Limited Exception for a Short-Term Pollution Event

This endorsement replaces the Pollution Exclusion and details when coverage does not apply for bodily injury or property damage caused by pollutants. It generally excludes losses from pollutant discharge, dispersal, release, or escape at premises owned, used, or worked on by the insured, or during waste handling or pollution remediation.

Exceptions allow limited coverage for certain building-related incidents, specific contractor activities, heat, smoke, or fumes from a hostile fire, and short-term pollution events if promptly reported. It also excludes costs for government or regulatory pollution testing, cleanup, or response unless the insured would be liable for property damage regardless of orders. Definitions are given for "short-term pollution event" (a brief, identifiable pollutant discharge not involving underground tanks or hostile fires) and "underground storage tank."

BP 04 91–Pollution Exclusion–Limited Exception for Designated Pollutant(s)

This endorsement adds both on-site and off-site liability coverage for bodily injury or property damage related to damage caused by the types of pollutants described on the endorsement schedule. However, coverage does not extend to losses that involve handling, transporting, storing, disposing of, treating, or processing the described pollutants.

BP 04 92–Total Pollution Exclusion

This endorsement completely excludes bodily injury or property damage loss or damage caused by or that results from pollution. There are no exceptions.

BP 04 93–Total Pollution Exclusion with a Building Heating Equipment Exception and a Hostile Fire Exception

This endorsement completely excludes bodily injury or property damage loss or damage that pollution causes. However, it has exceptions that cover loss or damage that involves heat, smoke, and fumes that a hostile fire generates and/or by heating, cooling, dehumidifying, and water heating equipment.

BP 04 94–Limited Pollution Liability Extension

This endorsement adds limited pollution liability coverage. It eliminates the part of the exclusion that applies at or from any premises that the named insured owns rents, occupies, or has loaned to it. It should be reviewed carefully to determine if the broadened coverage is appropriate for the named insured. It has its own aggregate limit.

BP 04 97–Waiver of Transfer of Rights of Recovery against Others to Us (08 24 edition)

The insurer waives its right to recover payments from certain parties, but only if the insured had already waived their own right of recovery against those parties before any loss occurred. This waiver applies exclusively to the individuals or organizations specifically listed in the policy schedule.

NOTE: The 08 24 edition was amended to remove reference to “ongoing operations” and “work done under a contract” so that this endorsement will fit more situations where a waiver is required. It also states that the waiver applies to the extent of the insured’s waiver agreement.

BP 04 98–Employee Benefits Liability Coverage

Related Article: BP 04 98–Employee Benefits Liability Coverage

BP 04 99–Extended Reporting Period for Employee Benefits Liability Coverage

This endorsement is used with BP 04 98–Employee Benefits Liability Coverage. It provides an Extended Reporting Period (ERP) for reporting claims after the policy ends, with specific conditions.

· Claims made during the ERP have a separate Aggregate Limit, equal to the limit at the policy period’s end.

· The standard Aggregate Limit doesn’t apply to claims first reported during the ERP. Instead, the ERP Aggregate Limit applies.

· This insurance is excess over any other insurance that starts or continues after the ERP begins.

· The endorsement only takes effect if the additional premium is paid on time, and, once in effect, it cannot be cancelled.

· Coverage applies on a claims-made basis, and this endorsement gives the named insured the option to extend the time period to report losses.

MISCELLANEOUS ENDORSEMENTS, EXCLUSIONS AND SCHEDULES (BP 05, BP 06)

BP 05 01–Calculation of Premium

This endorsement states that premiums for subsequent policy periods are calculated according to rates in effect on the renewal or anniversary date.

BP 05 15–Disclosure Pursuant to Terrorism Risk Insurance Act (01 15 edition)

BP 05 17–Exclusion–Silica or Silica-Related Dust

This endorsement excludes bodily injury, property damage, and personal and advertising injury liability losses associated with exposure to silica or silica-related dust. It includes definitions for silica and silica-related dust.

BP 05 23–Cap on Losses from Certified Acts of Terrorism (01 15 edition)

BP 05 24–Exclusion of Certified Acts of Terrorism (01 15 edition)

BP 05 26–Exclusion of Certified Acts of Terrorism Involving Nuclear, Biological, or Chemical Terrorism: Cap on Covered Certified Acts Losses (01 15 edition)

BP 05 27–Limitations of Coverage for Certified Acts of Terrorism (01 15 edition)

BP 05 38–Exclusion of Other Acts of Terrorism Committed Outside the United States: Cap on Losses from Certified Acts of Terrorism (01 15 edition)

BP 05 41–Exclusion of Certified Acts of Terrorism and Exclusion of Other Acts of Terrorism Committed Outside the United States (01 15 edition)

BP 05 42–Exclusion of Punitive Damages Related to a Certified Act of Terrorism (01 15 edition)

BP 05 47–Computer Fraud and Funds Transfer Fraud (08 24 edition)

This endorsement adds computer fraud and funds transfer fraud crime coverage if a computer is used to transfer money, securities, or other property from inside the insured’s premises or banking institution up to the limit on the endorsement schedule. In addition, if fraudulent instructions given to a financial institution result in unauthorized transfer of the named insured's funds, coverage applies up to the limit on the endorsement schedule. Coverage applies even if the transfer is based on unauthorized instructions or false pretense. However, it excludes using credit and other cards and the information they contain.

NOTE: The 08 24 edition amends the definition of employee and deletes employee benefit plan from the endorsement.

Related Article: Commercial Crime Coverage Analysis

BP 05 64–Conditional Exclusion of Terrorism (Relating to Disposition of Federal Terrorism Risk Insurance Act) (01 15 edition)

NOTE: The 01 15 edition has clarified the application of other exclusion wording by adding separate paragraph D.

BP 05 65–Conditional Exclusion of Terrorism Involving Nuclear, Biological, or Chemical Terrorism (Relating to Disposition of Federal Terrorism Risk Insurance Act) (01 15 edition)

NOTE: The 01 15 edition has clarified the application of other exclusion wording by adding separate paragraph D.

BP 05 66–Conditional Limitation of Coverage for Terrorism–Sub-Limit on Annual Aggregate Basis (Relating to Disposition of Federal Terrorism Risk Insurance Act) (01 15 change)

NOTE: The 01 15 edition has clarified the application of other exclusion wording by adding separate paragraph D.

BP 05 67–Exclusion of Terrorism

BP 05 68–Exclusion of Terrorism Involving Nuclear, Biological, or Chemical Terrorism

BP 05 69–Limitation of Coverage for Terrorism–Sub-Limit on Annual Aggregate Basis

BP 05 70–Disclosure of Premium through End of Year for Certified Acts of Terrorism Coverage (Pursuant to Terrorism Risk Insurance Act) (01 15 edition)

BP 05 71–Disclosure of Premium and Estimated Premium for Certified Acts of Terrorism Coverage (Pursuant to Terrorism Risk Insurance Act) (01 15 edition)

The 01 15 edition has relabeled the 01 07’s Paragraph C, Possibility of Additional or Return Premium as Paragraph D. It now includes a new Paragraph C that notifies that the insurer’s payment obligation is capped in the event that qualifying terrorists act damage exceeds $110 billion in a given calendar year.

BP 05 76–Changes–Limited Fungi Coverage

This endorsement is used to increase the sub-limit of insurance for fungi, wet rot, and dry rot coverage, to designate the location(s) covered, and to permit different limits at different locations based on entries on the endorsement schedule. The number of days for Business Income and/or Extra Expense coverages can be changed from 30 days.

BP 05 77–Fungi or Bacteria Exclusion (Liability)

This endorsement excludes injuries, damages, or costs related to fungi or bacteria (such as mold or mildew). This includes both harm caused by exposure and expenses for testing, cleaning, or removing fungi or bacteria. However, this exclusion does not apply to fungi or bacteria found in products meant for bodily consumption.

BP 05 78–Limited Fungi or Bacteria Coverage (Liability)

This endorsement provides limited coverage for fungi and bacteria that BP 05 77–Fungi or Bacteria Exclusion (Liability) excludes.

BP 05 89–Employment-Related Practices Liability Endorsement

This endorsement provides claims-made liability coverage with defense included within the limits entered on the endorsement schedule. It has a retroactive date and an extended reporting period. Coverage applies for injuries to employees due to demotion, wrongful termination, wrongful denial of opportunities, wrongful hiring and supervision, retaliatory actions, coercion, harassment, and other types of work-related discrimination, libel, humiliation, and similar acts. This endorsement is similar to EP 00 01–Employment-Related Practices Coverage Form.

BP 05 93–Loss of Rental Value–Landlord as Designated Payee

This endorsement adds Rental Value coverage, insuring the named party for loss of rental income up to the specified limit. Rental Value includes both anticipated rental income and tenant charges that would otherwise be the payee's responsibility. Payment is capped by the lease terms or policy limit, whichever is less. The insurer must notify the Designated Payee before policy cancellation. Coverage for Extra Expense and Newly Acquired or Constructed Property is excluded.

BP 05 94–Electronic Commerce (E-Commerce)

This endorsement is similar to CP 04 30–Electronic (E-Commerce) used with the ISO Commercial Property Program.

Related Article: CP 04 30–Electronic Commerce (E-Commerce)

BP 05 95–Electronic Data Liability–Limited Coverage Subject To Cyber Incident Exclusion (08 24 edition)

This endorsement liability coverage for electronic data and cyber incidents by excluding most losses related to electronic data unless caused by physical injury to tangible property, and by specifically excluding coverage for damages from cyber incidents (like hacking, viruses, or denial of service attacks) and related costs. It also defines key terms and clarifies that electronic data is not considered tangible property for insurance purposes.

NOTE: The 08 24 edition changed the endorsement name.

BP 05 96–Electronic Data Liability–Broad Coverage (08 24 edition)

This endorsement covers business liability for loss of electronic data from specific incidents, with several exclusions such as expected losses, bodily injury, property damage, contractual and intellectual property issues, unauthorized data use, and criminal acts. Coverage applies only to claims made within the policy or extended reporting period and is excess over other insurance.

Related Article: Electronic Data Liability Insurance

BP 05 97–Extended Reporting Period for Electronic Data Liability–Broad Coverage

The Extended Reporting Period (ERP) endorsement for Electronic Data Liability insurance provides extra time to report claims. During the ERP, a separate aggregate limit applies, and coverage is excess if other insurance is in place. The endorsement is only valid if the additional premium is paid on time and cannot be canceled once effective.

BP 05 98–Amendment of Insured Contract Definition (08 24 edition)

This endorsement replaces Paragraph 9 in the F. Liability And Medical Expenses Definitions section, detailing what qualifies as an insured contract. It includes six types: leases (with fire damage exceptions), sidetrack agreements, easement or license agreements (near railroads), municipal indemnity, elevator maintenance, and certain business agreements where the insured assumes tort liability for injuries or property damage. It excludes contracts indemnifying railroads for construction or demolition near railroad property and those indemnifying architects, engineers, or surveyors for injuries related to their professional services.

NOTE: The 08 24 edition modifies the definition of an insured contract. Coverage will not be provided for an insured’s assumed tort liability if that assumption is prohibited by law in a specific jurisdiction.

BP 06 49-Burglary And Robbery Protective Safeguards (New 08 24 edition)

This endorsement adds insurance conditions requiring the insured to maintain and engage specific burglary and robbery safeguards, such as alarms and surveillance, during non-work hours or when the premises are unoccupied. If any safeguard becomes impaired, the insured must notify the insurer unless the safeguard is restored within 48 hours and alternate surveillance is provided. Theft losses are excluded from coverage if these conditions are not met. The endorsement also details specific types of safeguards, referenced by code, that must be followed as listed in the policy schedule.

CONTRACTORS ENDORSEMENTS (BP 07)

BP 07 01–Contractors’ Installation, Tools, and Equipment Coverage (08 24 edition)

The 08 24 edition changed the wording referring to antennas and includes dish-shaped antennas.

BP 07 02–Amendment–Aggregate Limits of Insurance (Per Project)

This endorsement changes the aggregate limit of insurance under liability coverage for the products-completed operations hazard to apply per project.

BP 07 03–Business Liability Coverage–Property Damage Liability Deductible (Per-Claim Basis)

This endorsement adds a property damage liability per claim deductible.

BP 07 04–Business Liability Coverage–Property Damage Liability Deductible (Per-Occurrence Basis)

This endorsement adds a property damage liability per occurrence deductible.

BP 07 07–Business Liability Coverage–Amendment of Liability and Medical Expenses Limits of Insurance

This endorsement is used to provide higher aggregate liability limits. It increases the aggregate limit for the products-completed operations hazard to three times the liability and medical expenses limit. It also increases the aggregate limit for all other occurrences to two times the liability and medical expenses limit.

BP 07 08–Pesticide or Herbicide Applicator–Limited Pollution Coverage

This endorsement amends the pollution exclusion so that limited pollution coverage applies for the operations described on the endorsement schedule. This is subject to the named insured meeting or complying with all federal, state, or local governmental statutes, ordinances, regulations, or license requirements. This endorsement title previously was BP 07 08–Pesticide or Herbicide Applicator Coverage.

BP 07 10–Hotels, Motels and Inns (08 24 edition)

This endorsement broadens the coverage provided to include exposures common to motels, such as property of others, personal property in rooms, lock replacement, and liability for guests' property.

NOTE: The 08 24 edition revised the title of the endorsement to include hotels and inns and added references in the form to include hotels and inns.

BP 07 11–Hotels, Motels, and Inns – Liability for Guests’ Property in Safe Deposit Boxes

This endorsement broadens the coverage provided to include liability for guest property stored in safety deposit boxes. Coverage does not apply to liability that business liability coverage excludes or to loss or damage caused by or that results from fire, dishonest acts of any insured, acts committed by parties an insured held harmless, and property lost, damaged, or seized related to governmental acts.

NOTE: The 08 24 edition revised the title of the endorsement to include hotels and inns and added references in the form to include hotels and inns.

BP 07 12–Self-Storage Facilities

This endorsement provides coverage designed to protect self-storage operations:

• Lost Rental Income: Pays for lost rental income if storage spaces are unrentable due to covered damage.

· Employee Dishonesty: Covers losses from dishonest acts by employees (not owners or partners), for property at your facility only.

· Customers’ Goods Legal Liability: Covers insureds for damage to customers’ property at the insured’s facility, with a $50,000 per-incident limit. Excludes sale/disposal operations, contract liability, and intentional/criminal acts.

· Lock-out/Sale Liability: Covers damages from lock-outs or sale/removal of customer property, up to $25,000 per year, with similar exclusions as above.

BP 07 75–Apartment Buildings (07 13 edition)

Related Article: BP 07 75–Apartment Buildings

BP 07 76–Apartment Buildings–Liability for Loss or Damage to Tenants' Auto (Legal Liability Coverage) (WITHDRAWN 08 24 edition)

This endorsement covers the named insured's legal liability for damages for direct physical loss or damage and resulting loss of use to tenants' autos at premises on the declarations caused by or that results from a covered cause of loss. The 07 13 changes are editorial in nature to match similar editorial changes in BP 00 03 and do not affect coverage.

BP 07 77–Fine Arts Coverage

This endorsement adds protection for fine arts (like paintings, sculptures, or antiques) up to $25,000 per location, beyond standard business personal property coverage. Compensation is based on actual value, restoration, or replacement. Coverage requires proper packing/unpacking and applies to items owned or in the care of the insured.

BP 07 78–Restaurants (01 10 edition)

Related Article: BP 07 78–Restaurants

BP 07 79–Restaurants–Loss or Damage to Customers' Autos (Legal Liability Coverage (WITHDRAWN 08 24 edition)

This endorsement covers the named insured's legal liability for damages for direct physical loss or damage to and resulting loss of use of customers' autos left in its care, custody, or control at or temporarily away from premises on the declarations. The damage must be caused by or result from a covered cause of loss.

NOTE: In the 08 24 edition, the BP 07 79 was withdrawn, and the following forms were introduced: Loss Or Damage To Invitees' Autos (Legal Liability Coverage) – Scheduled Premises Endorsement BP 15 96; and Loss Or Damage To Invitees' Autos (Legal Liability Coverage) – Care, Custody Or Control Endorsement BP 15 97.

BP 07 81–Cleaning Services (08 24 edition)

This endorsement adds certain coverages that residential cleaning services need. It modifies coverage under Section I–Property and provides Reward Payment coverage for up to $5,000 and a $1,000 limit for the cost to replace keys and locks at a client's residence. It extends employee dishonesty coverage to theft of specific client property by the named insured's employees. It also includes property damage to customers’ property that results from its work for up to $5,000.

NOTE: 08 24 The endorsement title was updated in the 08 24 edition to align with the ISO classification table.

BP 07 83–Photography (08 24 edition)

This endorsement extends a standard Businessowners Policy for photographers. It broadens equipment coverage (including employee and client property), protects equipment off-premises, reimburses certain theft recovery rewards, offers optional employee dishonesty coverage, and provides liability protection for undelivered photographic products due to lost or damaged media. Coverage limits and definitions are tailored for photographers.

NOTE: The radius of coverage is extended to 1,000 feet in the 08 24 edition.

BP 07 84–Photography–Makeup and Hairstyling

This endorsement provides limited professional liability coverage in situations where the photographer applies makeup or provides hairstyling services in conjunction with its photographic operations and activities. It can be used only if BP 07 83–Photography is attached to BP 00 03.

BP 07 87–Photography–Amendment of Coverage Territory for “Photographic Equipment”–Worldwide Coverage

This endorsement broadens the property coverage territory for photographic equipment to be worldwide. This revised territory does not include countries listed on the endorsement schedule or countries subject to trade embargoes or other economic sanctions that the United States of America imposes. It can be used only if BP 07 83–Photography is attached to BP 00 03.

PROFESSIONAL LIABILITY ENDORSEMENTS (BP 08)

BP 08 01–Barber Shops and Hair Salons Professional Liability (08 24 edition)

This endorsement expands a business liability insurance policy for barber shops and hair salons to cover injuries or damages resulting from providing or failing to provide hair-related services. It includes employees and certain operators as insureds but excludes some procedures (like electrolysis and hair implants) and maintains existing policy limits.

NOTE: The 08 24 edition adds wording to make it consistent with the professional liability exclusion wording in other general liability forms.

BP 08 02–Funeral Directors Professional Liability

This endorsement customizes liability coverage for funeral directors by covering claims from professional services, removing certain exclusions (except for theft or fire), excluding criminal acts, and clarifying who is insured. Policy limits and the definition of “occurrence” are also specified to address the unique risks of funeral directors.

BP 08 03–Optical and Hearing Aid Establishments (08 24 edition)

This endorsement amends Section II - Liability to clarify coverage for professional optical and hearing aid services. It broadens coverage to include injuries and damages connected to these services, while explicitly excluding coverage for professional optometry practice. The definition of insured individuals is clarified, and all acts related to services for a single person are considered one occurrence. These revisions define the coverage scope and insured status for optical and hearing aid services more precisely.

NOTE: The 08 24 edition adds wording to make it consistent with the professional liability exclusion wording in other general liability forms.

BP 08 04–Printers Errors and Omissions Liability

The endorsement extends liability coverage to damages from negligent acts or errors in printing services, subject to certain exclusions like criminal acts and intellectual property claims. All related incidents are treated as one occurrence, and payment is capped at the policy's stated limits.

BP 08 05–Veterinarians Professional Liability

This endorsement customizes the insurance coverage to better suit the unique risks of veterinary practice. It adds business liability protection for injuries related to professional veterinary work, revises and introduces exclusions like criminal acts, animal theft, and fire, clarifies which employees are covered and under what conditions, details insurance limits, and broadens the definition of "occurrence" to include acts or omissions in veterinary services.

Related Article: BP 08 05–Veterinarians Professional Liability

BP 08 06–Pharmacists–Broad Coverage

This endorsement covers loss or damage due to providing or failing to provide professional pharmaceutical services. It is similar to CG 22 97–Druggists–Broadened Coverage and includes the broadened roles of druggists that some state legislatures have enacted.

BP 08 07–Pharmacists (08 24 edition)

This endorsement covers loss or damage due to the insured providing or failing to provide professional pharmaceutical services. It does not cover the broadened roles of druggists that legislation in many states has enacted, including prescribing, consulting, or diagnosing, except for administering certain vaccinations. It is similar to CG 22 69–Druggists.

NOTE: The 08 24 edition adds wording to make it consistent with the professional liability exclusion wording in other general liability forms.

BP 08 09 Beauty Salons Professional Liability (08 24 edition)

This endorsement is designed for beauty salons and is used to cover salon services beyond those that most barber shops or hair salons offer. It defines salon services to include a listing of standard services but then includes additional services described on the endorsement schedule.

NOTE: The 08 24 edition adds wording to make it consistent with the professional liability exclusion wording in other general liability forms.

CAUSES OF LOSS ENDORSEMENTS (BP 10)

BP 10 03–Earthquake (08 24 edition)

This endorsement covers loss or damage caused by earthquake and volcanic eruption. Earthquake and volcanic eruption events that occur within 168 hours are counted as one event, and the policy expiration does not affect this count. If this coverage replaces other earthquake insurance, this policy will cover events that began up to 168 hours before this policy began, as long as the loss occurs on or after this policy’s inception.

NOTE: The 08 24 edition includes a schedule similar to the CP 10 40. The schedule now also includes Earthquake – Volcanic Eruption Percentage deductibles, previously listed in ISO’s Businessowners Policy declarations.

BP 10 05–Exclusion–Year 2000 Computer-Related and Other Electronic Problems

This endorsement excludes all bodily injury, property damage, and personal and advertising injury liability that involves computer programming or processing errors related to a system or software that is unable to handle calendar dates or times.

BP 10 06–Exclusion–Year 2000 Computer-Related and Other Electronic Problems (Products-Completed Operations Hazard)

This endorsement excludes all bodily injury, property damage, and/or personal and advertising injury liability that involves computer programming or processing errors related to a system or software that is unable to handle calendar dates or times. Coverage does not apply to loss or damage related to the named insured’s finished work or products.

BP 10 07–Exclusion–Year 2000 Computer-Related and Other Electronic Problems–With Exception for Bodily Injury on Your Premises

This endorsement excludes all bodily injury, property damage, and/or personal and advertising injury liability that involves computer programming or processing errors related to a system or software that is unable to handle calendar dates or times. It does not apply to bodily injury that occurs on any premises the named insured owns or rents.

BP 10 08–Year 2000 Computer-Related and Other Electronic Problems–Exclusion of Specified Coverages for Designated Locations, Operations, Products, or Services

This endorsement excludes all bodily injury, property damage, and/or personal and advertising injury liability that involves computer programming or processing errors related to a system or software that is unable to handle calendar dates or times. This is based on the coverages selected on the endorsement schedule. The selected coverages apply to the location, products, services, or operations described on the endorsement schedule.

BP 10 09–Named Perils (08 24 edition)

Related Article: BP 10 09–Named Perils

NOTE: In the 08 24 edition, this form is revised due to the extension of the coverage radius in the Electrical Apparatus Exclusion to 1,000 feet.

BP 10 10–Sprinkler Leakage–Earthquake Extension

This endorsement amends Section I - Property to specify that sprinkler leakage caused by earthquake or volcanic eruption is now a covered cause of loss. It clarifies that all shocks or eruptions occurring within any 168-hour period are treated as a single event, and policy expiration does not shorten this 168-hour window.

BP 10 11–Earthquake and Volcanic Action (Sub-Limit)

This endorsement provides earthquake and volcanic eruption coverage for a sub-limit. It is similar to ISO's CP 10 45–Earthquake And Volcanic Eruption Endorsement (Sub-Limit Form).

NOTE: This endorsement broadens the unendorsed Businessowners Coverage Form but is not as broad as the coverage that BP 10 03–Earthquake provides.

BP 10 79–Flood Coverage (08 24 edition)

This optional coverage can be used to write coverage on a first-dollar basis or above the federally insured limits under the National Flood Insurance Program (NFIP).

NOTE: The 08 24 edition is revised to align with the BP 00 03 08 24 update, clarifying that costs for removing mud or earth deposits outside buildings are not covered. The Debris Removal Coverage in Paragraph D is also revised for consistency.

Related Article: BP 10 79–Flood Coverage

BP 10 80–Off-Premises Interruption of Business - Vehicles And Mobile Equipment

This endorsement extends Business Income and Extra Expense coverage to scheduled property that is temporarily away from the described premises but still within the coverage territory. It covers business income losses and extra expenses resulting from direct physical loss or damage to the scheduled property, as long as the cause is a covered peril. The endorsement includes coverage for extended business income, newly acquired property, and defines specific insurance limits. Certain exclusions apply, such as losses from collision (unless specified), mechanical breakdown, wear and tear, or racing activities. The endorsement does not cover physical repair or replacement of property itself but focuses on losses resulting from suspended operations due to covered causes.

BP 10 88-Optional Outdoor Property Coverage (New 08 24 edition)

This endorsement clarifies property insurance coverage for outdoor items. It limits protection for fences, antennas, signs, and most trees, shrubs, or plants, except in specific cases. The Outdoor Property Coverage Extension allows limited coverage for certain losses (fire, lightning, explosion, riot/civil commotion, aircraft) with a maximum of $2,500 per premises and $1,000 per item unless higher limits are set. Debris removal is included for property belonging to others, unless owned by a landlord when the insured is a tenant.

GENERAL ENDORSEMENTS (BP 12)

BP 12 01–Businessowners Policy Changes

This endorsement extends Business Income and Extra Expense coverage to scheduled property that is temporarily away from the described premises but still within the coverage territory. It covers business income losses and additional expenses resulting from direct physical loss or damage to the scheduled property, provided the cause is a covered peril. The endorsement includes coverage for extended business income, newly acquired property, and defines specific insurance limits. Certain exclusions apply, such as losses from collision (unless specified), mechanical breakdown, wear and tear, or racing activities. The endorsement covers losses caused by suspended operations due to covered causes, not physical repair or replacement of the property itself.

BP 12 02–Fire Department Service Contract

This endorsement is used to require that a named insured maintain a service contract with a private fire department.

BP 12 03–Loss Payable Provisions

This endorsement is used to list loss payees, lender’s loss payees, or loss payees under contracts of sale and the property to which their interests apply.

BP 12 31–Named Insured–Building Owner (08 24 edition)

This endorsement adds the building owner as a named insured on a tenant’s policy, but only for direct physical loss or damage to the buildings listed in the schedule.

NOTE: The 08 24 revision changed the name of the endorsement to better reflect the policy’s intent, as the former title gave the impression that the form was adding the building owner as an additional insured.

COVERAGE ENDORSEMENTS (BP 14)

BP 14 01–Identity Fraud Expense Coverage

This endorsement adds coverage for expenses related to business identity fraud, including up to $25,000 for direct expenses and $5,000 for advertising to restore reputation (with a $250 deductible). Covered expenses include lost income, legal fees, and communications costs tied to the fraud. Exclusions apply if the fraud involves the insured’s own fraudulent or criminal acts. The coverage is excess over any other applicable insurance and has clear definitions and reporting requirements.

BP 14 02–Additional Insured–Owners, Lessees, Or Contractors–Completed Operations

This endorsement adds parties shown on the schedule as additional insureds on the policy, but their coverage is limited to liability from the insured's work at specified locations and only for completed operations. The coverage and limits will not exceed what's required by contract or the policy's limits, and this endorsement does not increase the total insurance available.

BP 14 03–Theft of Clients' Property Coverage

This endorsement extends Employee Dishonesty Optional Coverage to include theft of a client’s property while it is at the client’s location. The $5,000 limit can be increased to limits of $10,000, $15,000, or $25,000. The $250 deductible in this endorsement is the only deductible that applies.

BP 14 04–Windstorm or Hail Losses to Roof Surfacing–Actual Cash Value Loss Settlement

This restrictive endorsement changes the loss payment condition with respect to only the buildings and premises on the endorsement schedule. If a wind or hail loss damages the roof surface, any loss settlement is based on actual cash value instead of replacement cost.

BP 14 05–Additional Insured–Grantor of Franchise (08 24 edition)

This endorsement adds any person or organization listed in the schedule as an additional insured, but only for their liability as a franchisor. Coverage for these additional insureds is limited to what is permitted by law and cannot exceed what is required by contract. The insurance limit for these insureds will be the lesser of the amount required by contract or the policy's available limit, and this endorsement does not increase the overall insurance limits.

NOTE: The 08 24 edition removes the wording indicating that limits of insurance are as “shown in the Declarations” because the limits may be reflected in another endorsement on the policy.

BP 14 06–Business Income, Extra Expense, and Related Coverages Limit Of Insurance

This endorsement restricts coverage. The named insured selects a limit of insurance instead of having unlimited 12-month business income and extra expense coverage.

BP 14 07–Business Income and Extra Expense–Revised Period of Indemnity (08 24 edition)

This endorsement specifies that payments are limited to the period of restoration and the number of consecutive months stated in the Schedule. Ordinary payroll is covered for a set time after loss, and extra expense coverage is not limited by the property insurance limits. All terms are tied to the details listed in the Schedule for each location.

NOTE: To align with BP 00 03, the BP 14 07 is revised to replace "applicable number of consecutive days” with “applicable number of consecutive months”.

BP 14 08–Exclusion–Exterior Insulation and Finish Systems

This endorsement adds a liability exclusion stating there is no coverage for injuries or damages related to exterior insulation and finish systems (EIFS). This includes any work or products involving the design, installation, or maintenance of EIFS. The document also clearly defines what qualifies as an EIFS.

BP 14 09–Debris Removal Additional Insurance

This endorsement is used to increase 5. Additional Coverages 1. Debris Removal in BP 00 03 from the amount in BP 00 03 to the amount on the endorsement schedule.

BP 14 10–Brands and Labels

This is an optional coverage endorsement. It allows the insured to control its labeling. If a loss occurs, the insurance company agrees to settle the claim in the usual way. The difference is what then happens with any salvage the insurance company wishes to distribute. The insured can stamp “salvage” on such property if doing so does not cause additional damage. The insured can even remove all labels if doing so does not damage the property or violate any laws. The insured is reimbursed for its expenses for stamping or removing labels. However, the expense of doing so, added to the property's value, cannot exceed the applicable insurance limit. This endorsement does not usually involve a premium charge, but a higher insurance limit is often needed due to the potential expenses involved.

BP 14 11–Abuse Or Molestation Exclusion–Specified Services (WITHDRAWN 08 24 edition)

This endorsement excludes coverage for injury or damage that arises from abuse or molestation of persons in any insured's care, custody, or control at the time it provides the services specified on the endorsement schedule. This exclusion is less restrictive than BP 04 39–Abuse or Molestation Exclusion.

BP 14 12–Exclusion–Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate–Seed Merchants

This endorsement excludes property damage liability due to errors in delivering seed, in the mechanical mixture of seed, or due to seed that fails to germinate.

BP 14 13–Seed Merchants–Coverage for Erroneous Delivery or Mixture (Resulting Failure of Seed to Germinate Not Included)

This endorsement clarifies insurance coverage for property damage related to seeds. It covers losses from errors in seed delivery (such as failure to deliver, delivering the wrong seed, or delivering at the wrong time/season) and from mechanical mixing errors. Certain exclusions no longer apply to these seed-related damages, but the insurance will not cover property damage caused by seeds failing to germinate.

BP 14 14–Seed Merchants–Coverage for Erroneous Delivery or Mixture and Resulting Failure of Seed to Germinate

This endorsement adds property damage coverage for loss that results from erroneous delivery of seed. This includes failing to deliver seed at all, delivering the wrong seed, or delivering seed at the wrong time of the year or season. It also includes errors in the mechanical mixture of seed or seed failing to germinate if the failure is caused by delivering the wrong seed, delivering seed at the wrong time of the year or season, or errors in the mechanical mixture of seed.

BP 14 15–Limited Exclusion–Personal and Advertising Injury–Lawyers (08 24 edition)

This endorsement excludes personal and advertising injury that arises from providing or failing to provide professional services as a lawyer without affecting personal and advertising injury coverage for other activities lawyers perform that fall outside professional services.

NOTE: The 08 24 edition adds wording to make it consistent with the professional liability exclusion wording change in ISO’s Commercial General Liability program.

BP 14 16–Snow Plow Products–Completed Operations Hazard Coverage

This endorsement adds products-completed operations coverage for loss or damage caused when an auto is used to remove snow or ice.

BP 14 17–Designated Location(s) General Aggregate Limit

This endorsement broadens coverage by replacing the general aggregate limit of insurance with an aggregate limit of insurance per location. Payments for claims at one location only affect that location's limit, not others. If a claim can't be linked to one location, it counts against overall policy limits.

BP 14 18–Designated Construction Project(s) General Aggregate Limit

This endorsement broadens coverage by replacing the general aggregate limit of insurance with an aggregate limit of insurance per project.

BP 14 19–Exclusion–Damage to Work Performed by Subcontractors on Your Behalf

This exclusion replaces Section II–Liability B. Exclusions m. Damage to Your Work. It excludes property damage to the named insured's work that arises out of it or any part of it included in the products-completed operations hazard. The exclusion exception for damage to work caused by subcontractors working on behalf of the named insured has been removed.

BP 14 20–Exclusion–Damage To Work Performed By Subcontractors On Your Behalf–Designated Sites or Operations

This exclusion replaces Section II–Liability B. Exclusions m. Damage to Your Work. It excludes property damage to the named insured's work that arises out of it or any part of it included in the products-completed operations hazard. However, it applies to only the sites or operations listed on the endorsement schedule. Similar to
BP 14 19, it removes the exception for subcontractors that work on the named insured’s behalf.

NOTE: This endorsement is less restrictive than BP 14 19–Exclusion–Damage to Work Performed by Subcontractors on Your Behalf because it applies to only the sites or operations listed.

BP 14 21–Exclusion–Designated Work

This endorsement excludes coverage for bodily injury or property damage that is part of the products-completed operations hazard and results from the work of the named insured listed on the endorsement schedule.

BP 14 22–Exclusion–Products-Completed Operations Hazard

This endorsement excludes coverage for bodily injury or property damage that is part of the products-completed operations hazard.

BP 14 23–Exclusion–Designated Products

This endorsement excludes coverage for bodily injury or property damage included in the products-completed operations hazard that arises out of any of the named insured's products listed on the endorsement schedule.

BP 14 30–Discretionary Payroll Expense

This endorsement gives the named insured the option to change the maximum number of days of payroll expense covered during the period of restoration from 60 days to the number of days on the endorsement schedule. It applies to only the specific employees or job description indicated. It does not affect any other employees or job descriptions. The payroll expense does not have to be necessary for the named insured to resume operations.

BP 14 75–Increased Cost of Loss and Related Expenses for Green Upgrades

This endorsement provides extra insurance for environmentally friendly repairs and upgrades to covered property. It applies only to the property and coverages listed in Section I - Property. The endorsement sets a maximum payout for green upgrades, as shown in the policy schedule. If a covered loss occurs, the insurer will determine the payment for green upgrades by calculating the covered loss amount, applying a specified percentage, and comparing it to the actual upgrade cost and the policy limit. The lowest of these amounts will be paid. If the loss is less than the deductible, specific rules determine if any payment for green upgrades is made. Definitions in the endorsement apply only to this green upgrade coverage.

BP 14 78–Exclusion of Loss Due to By-Products of Production or Processing Operations (Rental Properties)

A tenant’s operations may produce vapor, gas, smoke, or other substances as a regular part of production. In that case, the property owner’s coverage form excludes any damage those releases cause. This applies to meth-house situations, grease residue, and other substances. This applies to the buildings and locations on the endorsement schedule.

BP 14 79–Specified Business Personal Property Temporarily Away from Premises (07 13 edition)

This endorsement extends Business Personal Property coverage to certain property temporarily away from the insured’s business premises, but with several exclusions (such as stock, property with salespersons, or property in transit by carriers). Theft is only covered if there's forced entry into a locked vehicle. Coverage is limited to the U.S., Puerto Rico, and Canada, and subject to the stated policy limits. If multiple provisions apply to a loss, the insured can choose the one providing the most coverage, but cannot claim under more than one.

BP 14 80–Higher Limits (WITHDRAWN 08 24 edition)

This endorsement can be used to increase the limits of insurance for certain coverages instead of using the declarations to do so.

BP 14 81–Limitations on Coverage for Roof Surfacing

This endorsement excludes coverage for cosmetic wind or hail damage to roof surfacing if it doesn't affect the roof's protective function. Roof surfacing includes all top materials and protective layers.

BP 14 82–Increase in Rebuilding Expenses following Disaster (Additional Expense Coverage on Annual Aggregate Basis)

This endorsement outlines how extra expense coverage works for buildings after a disaster. The endorsement pays for additional repair or replacement costs if certain conditions are met, such as a disaster being declared and the insured choosing to rebuild. The amount paid is capped by the policy, and if there is insufficient coverage, it is reduced. Limits reset each year, and some coverage can be used for debris removal or increased construction costs, but never above the total coverage limit. Payments from related coverages are deducted. This endorsement helps with cost increases after disasters, but only within the stated limits.

BP 14 83–Employee Dishonesty–Named Employee(s)

The actions of any employee listed on this schedule are covered under the employee dishonesty optional coverage even if they had committed theft or other dishonest acts before this policy’s inception date.

BP 14 84–Windstorm or Hail Exclusion

This endorsement excludes direct or indirect loss or damage by windstorm or hail.

BP 14 86–Communicable Disease Exclusion

This endorsement excludes bodily injury, property damage, or personal and advertising injury related to the transmission of communicable diseases. It applies to both alleged and actual transmission.

BP 14 87–Additional Insured–Owners, Lessees or Contractors–Automatic Status For Other Parties When Required In Written Construction Agreement (08 24 edition)

This endorsement is identical to BP 04 51 except that it adds an additional group as automatic additional insureds. This group is any party the named insured is required to make additional insureds based on a construction contract with another party. The named insured is not required to have a contract with the others. However, when the construction contract expires, all automatic additional insureds that were part of that contract are no longer additional insureds.

NOTE: The 08 24 edition reflects a title change. Also, the BP 14 87 emphasizes that the additional insured status granted by this endorsement also covers the person or organization in Paragraph A.3.b., even if the named insured's ongoing activities are solely conducted for the entity in Paragraph A.3.a.

BP 14 88–Primary and Noncontributory–Other Insurance Condition

This endorsement states that coverage for additional insureds is on a primary and non-contributory basis but only when required by a contract. The non-contributory agreement applies to only policies where the additional insured is a named insured.

BP 14 89–Liquor Liability Coverage–Bring Your Own Alcohol Establishments

This endorsement is used in place of the BP 04 89–Liquor Liability Coverage to provide liability coverage that arises from an insured selling, serving, or furnishing alcoholic beverages to any person who brings alcoholic beverages on the insured’s premises.

BP 14 91–Amendment of Personal and Advertising Injury Definition

This endorsement deletes from the definition of Personal and Advertising Injury offenses that involve any oral or written publication of material that violates a person’s right to privacy.

LIMITED DATA LIABILITY COVERAGE ENDORSEMENTS (BP 15)

BP 15 04–Exclusion-Access or Disclosure of Confidential or Personal Information & Data-Related Liability-With Limited Bodily Injury Exception

This endorsement adds an exclusion to Business Liability insurance, stating that the insurance does not cover any injuries or damages resulting from accessing or sharing confidential or personal information. This includes various types of sensitive information such as trade secrets, financial data, health records, and other nonpublic material. The exclusion still applies even if costs are incurred for related actions such as notification, credit monitoring, investigations, public relations, data restoration, or extortion payments.

BP 15 06–Exclusion-Access or Disclosure of Confidential or Personal Information (Personal & Advertising Injury Only)

This endorsement excludes coverage for any personal or advertising injury that results from accessing or disclosing someone's confidential or personal information. This includes things like patents, trade secrets, customer lists, financial or health information, and any other nonpublic material. The exclusion also applies to related costs such as notification, identity monitoring, forensic expenses, and other losses resulting from unauthorized access or disclosure of such information.

BP 15 07–Information Security Protection Endorsement

This endorsement adds insurance coverage for losses caused by cyber incidents and data breaches. It provides:

· Coverage for costs to restore lost electronic data and respond to security breaches, including PR expenses.

· Optional liability protection for claims and regulatory actions due to security breaches or wrongful acts.

· Optional coverage for cyber extortion, business interruption, and website publishing liability.

BP 15 08–Payment Card Industry (PCI)-Provide Coverage for Defense Expenses & Fines or Penalties (03 15 edition)

This form can be attached only when BP 15 07 is on the policy. It expands coverage to include defense costs, fines and penalties that an insured company may face due to credit card damage claims, alleging noncompliance with credit card agreements.

BP 15 10–Provide Coverage for Dishonest, Malicious or Fraudulent Acts Committed by Employees

This form can be attached only when BP 15 07 is on the policy because it expands the exception within exclusion r. on the BP 15 07 to apply to all Insuring Agreements.

BP 15 11–Exclusion – Unmanned Aircraft

The insurance policy excludes coverage for injuries or damages related to unmanned aircraft (drones), other aircraft, autos, and watercraft owned or used by the insured, with a few exceptions for certain small watercraft and specific situations. It also excludes coverage for advertising injuries involving unmanned aircraft, except for limited advertising-related cases. “Unmanned aircraft” means any aircraft not controlled directly by a person from inside.

BP 15 12–Limited Coverage for Designated Unmanned Aircraft

This endorsement is identical to BP 15 11 except that any scheduled unmanned aircraft and the project for which it is used are excepted from the exclusion. The exception is subject to the Unmanned Aircraft Liability Aggregate Limit as well as to the policy occurrence and the general aggregate limits.

BP 15 30–Cannabis Property Exclusion

Related Article: Cannabis Exclusion Endorsements

BP 15 31–Cannabis Property Exclusion with Hemp Exception

Related Article: Cannabis Exclusion Endorsements

BP 15 32–Cannabis Liability Exclusion (08 24 edition)

Related Article: Cannabis Exclusion Endorsements

NOTE: The 8 24 edition includes minor editorial changes.

BP 15 33–Cannabis Liability Exclusion with Hemp Exception (08 24 edition)

NOTE: The 8 24 edition includes minor editorial changes.

Related Article: Cannabis Exclusion Endorsements

BP 15 34–Cannabis Liability Exclusion with Hemp and Lessors Risk Exemptions (08 24 edition)

NOTE: The 8 24 edition includes minor editorial changes.

Related Article: Cannabis Exclusion Endorsements

BP 15 60-Cyber Incident Exclusion

The Businessowners Coverage Form's Property section has been updated to include a new exclusion for damages caused by cyber incidents, including hacking, malicious code, and denial-of-service attacks. Coverage still applies in some cases, including when electronic data or computer operation interruption coverage is in place or when specific endorsements for computer fraud, electronic commerce, or information security are attached. Vandalism is explicitly excluded from cyber incident coverage described in Paragraph A.

BP 15 61-Cyber Incident Exclusion With Ensuing Cause(s) Of Loss Exceptions

This endorsement includes all the design features of BP 15 60, along with provisions for cyber-related losses. These include sublimits for property damage, business income, and extra expense; an optional aggregate limit for all covered losses during a 12-month period; exceptions covering certain causes of loss resulting from a cyber incident; and clarification that any listed per-occurrence or aggregate limits are included within, rather than added to, the policy’s applicable Limits of Insurance.

BP 15 80–Additional Insured – Owners, Lessees Or Contractors – Automatic Status When Required In A Written Construction Agreement With You (Completed Operations) (New 08 24 edition)

This endorsement extends coverage to insureds named in a written contract, but only for liability caused by the additional insured's work. The coverage is limited by law, contract requirements, and does not increase the total insurance limit.

BP 15 81-Additional Insured – Owners, Lessees Or Contractors – Automatic Status For Other Parties When Required In Written Construction Agreement (Completed Operations) (New 08 24 edition)

This endorsement automatically adds as an additional insured anyone for whom the named insured has performed work and agreed in writing to provide additional insured status for completed operations, and anyone that the additional insured is required by written contract to add as an additional insured. The coverage is limited to the lesser of the amount required by contract or the policy’s limits and does not increase the policy’s overall limit.

BP 15 82-Additional Insured – Automatic Status For Designated Operations (New 08 24 edition)

This endorsement provides automatic status for a designated operation, with a schedule defining its scope. It offers flexibility to describe operations broadly or narrowly. It does not apply to bodily injury or property damage in the products-completed operations hazard.

BP 15 83-Additional Insured – Automatic Status When Required In Written Contract Or Agreement (New 08 24 edition)

This endorsement requires both parties to agree in a written contract or agreement to add an additional insured to the policy. It is intended for non-construction risks and does not cover bodily injury or property damage included in the products-completed operations hazard. The coverage is limited to the lesser of the amount required by contract or the policy’s limits and does not increase the policy’s overall limit.

BP 15 84-Additional Insured – Vendors – Automatic Status When Required In Agreement (New 08 24 edition)

This endorsement gives additional insured status to any person or organization that the named insured is contractually required to include as an additional insured. This applies to the distribution or sale of the named insured's products during the vendor's typical business operations.

BP 15 85-Additional Insured – Concessionaires Trading Under Your Name (New 08 24 edition)

This endorsement grants additional insured status to the listed concessionaire(s), but only for their liability as operators under the named insured. The coverage is limited to the lesser of the amount required by contract and the policy’s limits and does not increase the policy’s overall limit.

BP 15 86-Additional Insured – Executors, Administrators, Trustees Or Beneficiaries (New 08 24 edition)

This endorsement gives additional insured status to executors, administrators, trustees or beneficiaries on policies covering estates of deceased persons or living trusts. The coverage is limited to the lesser of the amount required by contract or the policy’s limits and does not increase the policy’s overall limit.

BP 15 87-Additional Insured – Lessor Of Leased Equipment – Automatic Status When Required In Lease Agreement With You (New 08 24 edition)

This endorsement provides additional insured status to people or organizations from whom the insured leases equipment and that have agreed in writing to be included as additional insureds. Coverage only applies to liability from the insured's maintenance, operation, or use of the leased equipment. The coverage is limited to the lesser of the amount required by contract or the policy’s limits and does not increase the policy’s overall limit.

BP 15 88-Additional Insured – Grantor Of Licenses (New 08 24 edition)

This endorsement provides additional insured status to the scheduled entity for its liability as a license grantor to the insured. The coverage is limited to the lesser of the amount required by contract or the policy’s limits and does not increase the policy’s overall limit.

BP 15 89-Additional Insured – Grantor Of Licenses – Automatic Status When Required By Licensor (New 08 24 edition)

This endorsement gives automatic additional insured status to license grantors when a contract or agreement requires it.

BP 15 90-Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation) Automatic (New 08 24 edition)

If the insured waives their right to recover damages in a written contract, this endorsement also automatically waives the insurer’s right to recover from others.

BP 15 92-Excess Insurance Provision – Order Of Response – When You Are An Additional Insured On Other Insurance (New 08 24 edition)

This endorsement states that this insurance is excess over any other available insurance for liability damages from the premises or operations where the insured is added as an additional insured.

BP 15 94- Limited Coverage For Unmanned Aircraft (Scheduled And/Or Blanket Coverage) (New 08 24 edition)

This form can cover specific drones or all drones not individually listed, with per-drone limits.

• Coverage applies both on and off the insured property.

• Insured drones must be owned, rented, or leased by the policyholder.

• Essential equipment used solely for drone operation is also covered.

• Debris removal after a covered loss is included.

• Business interruption coverage is optional.

• Standard policy causes of loss and exclusions apply, with some exceptions.

• No coverage for drones delivering goods, used in races/stunts, rented/loaned to others, or damaged by mechanical breakdown.

• Newly acquired drones are covered with limits matching the existing or similar drones.

BP 15 95- Amendment Of Coverage Territory For Unmanned Aircraft – Worldwide Coverage (New 08 24 edition)

For covered unmanned aircraft off the described premises:

• Coverage applies to direct physical loss or damage anywhere in the world, except:

o Countries listed in the schedule of this endorsement.

o Countries under U.S. trade or economic sanctions or embargoes.

• Coverage is limited to the insurance amount in U.S. dollars, using the exchange rate at the time of loss or damage.

• Disputes about coverage must be filed in courts in the U.S., Puerto Rico, or Canada.

• Coverage applies only where allowed by the U.S., Puerto Rico, or Canada.

BP 15 96-Loss Or Damage To Invitees' Autos (Legal Liability Coverage) - Scheduled Premises (New 08 24 edition)

This endorsement provides coverage for legal liability if invitees' automobiles are lost or damaged while on the insured premises, up to specified limits and minus deductibles. The insurer pays damages the insured is legally obligated to pay, covers certain legal defense costs, and includes the policyholder, partners, officers, and employees as insureds. Exclusions apply for losses caused by the insured (such as theft) or assumed under contract. The definition of “auto” covers motor vehicles, trailers, and semitrailers.

BP 15 97-Loss Or Damage To Invitees' Autos (Legal Liability Coverage) – Care, Custody Or Control (New 08 24 edition)

This endorsement applies when an auto is in the care, custody, or control of the named insured, and the insured is attending to or operating the auto at or temporarily away from the listed premises.

BP 15 98-Auto Risk Services (New 08 24 edition)

Section I – Property is changed as follows:

· Covered Property now includes:

o Above and below ground gasoline, diesel, kerosene, or propane fuel storage tanks, including their piping and connections.

o Above and below ground gasoline, diesel, kerosene, or propane fuel pumps and their electrical equipment.

· Additional Coverages changes:

o Fire Department Service Charge coverage is increased to $5,000 (unless a different amount is listed in the Schedule).

o Pollutant Clean-up and Removal coverage is increased to $25,000.

o Money Orders and Counterfeit Money coverage is increased to $2,500.

o Forgery or Alteration coverage is increased to $5,000 (unless a higher limit is listed in the Schedule).

· Added Additional Coverage:

o Reward Payment – The policy will pay up to $5,000 to someone who provides information leading to the arrest and conviction of anyone committing a crime that results in loss or damage to Covered Property. The payment will be the actual cash value of the property (but not more than the repair/replacement cost), or the amount determined by the insurance policy’s loss settlement terms.

BP 15 99-Auto Service Risks – Canine Exclusion (New 08 24 edition)

Bodily injury or property damage resulting from direct physical contact with a dog that is owned by or under the care, custody, or control of an insured is excluded.

BP 16 15-Genetically Modified Organism Exclusion (New 08 24 edition)

This endorsement excludes coverage for bodily injury, property damage, and personal or advertising injury caused by genetic modification, whether intentional or accidental. Genetic modification is the insertion of a modified or cross-species gene into an organism through genetic engineering. Traditional plant breeding or grafting is not included. Genetic engineering refers to technology that alters the genetic makeup of cells or transfers genes across species.

BP 16 16-Genetically Modified Organism Exclusion For Designated Operations Or Products (New 08 24 Edition)

This endorsement includes the same exclusion BP 16 15 for operations or products shown in the schedule of the endorsement.

BP 16 17-Exclusion – Athletic Or Sports Participants (New 08 24 edition)

This endorsement excludes bodily injury sustained while practicing for and/or participating in sports or athletic contests or exhibitions sponsored by the insured. This applies even if claims allege negligence or other wrongdoing in supervision, hiring, training, or monitoring by any insured, if the injury happened during a sponsored sports activity.

BP 16 18-Exclusion – Athletic Or Sports Participants -All Contests Or Exhibitions (New 08 24 edition)

This endorsement is the same as BP 16 17, but it applies whether or not the insured sponsors the event listed on the schedule.

BP 16 19-Exclusion – Hired Auto Liability (New 08 24 Edition)

This insurance does not cover any bodily injury or property damage that comes from using, maintaining, or giving a hired auto to others. This applies even if someone claims the insured was negligent in supervising, hiring, or training others, as long as the injury or damage involved a hired auto.

BP 16 20-Exclusion – Earth Movement (New 08 24 edition)

Coverage for bodily injury or property damage caused or worsened by earth movement related to your work is excluded. Earth Movement includes earthquake and aftershocks, landslide, mine subsidence, and earth sinking, rising, or shifting due to soil condition changes.

BP 16 21-Exclusion – Earth Movement - Completed Operations (New 08 24 edition)

The exclusion described for BP 16 20 applies to the insured’s work included in products-completed operations hazard.

BP 16 22-Earth Movement – Exclusion For Designated Operation(s) Or Project(s) (New 08 24 edition)

The exclusion described for BP 16 20 applies to the insured’s work included in designated operations or projects.

BP 16 23-Exclusion – All Hazards In Connection With An Electronic Smoking Device, Its Vapor, Component Parts, Equipment And Accessories (New 08 24 edition)

This endorsement excludes coverage for any exposure involving an electronic smoking device, its vapor, parts, or accessories.

BP 16 24-Exclusion – Health Hazards, Electronic Smoking Device Vapor (New 08 24 edition)

This endorsement excludes coverage for any exposure involving an electronic smoking device, its vapor, parts, or accessories. However, the exclusion does not apply if the bodily injury is caused by the device or its parts exploding, bursting, or rupturing.

BP 16 25-Exclusion – Designated Ongoing Operations (New 08 24 edition)

Bodily injury or property damage from ongoing operations specified or at the location specified in the schedule are excluded.

BP 16 26-Exclusion – Cross Suits Liability (New 08 24 edition)

Coverage is excluded for any claim or suit made by one named insured against another named insured.

BP 16 27-Exclusion – Designated Operations Covered By A Controlled (Wrap-Up) Insurance Program (New 08 24 edition)

This endorsement excludes liability coverage for bodily injury and property damage from the insured’s ongoing operations and products-completed operations at the scheduled locations if the named insured is part of a controlled wrap-up insurance program. Wrap-Up insurance is a program that covers some or all contractors or subcontractors on one or more projects, either through insurance or self-insurance.

BP 16 28-Limited Exclusion ‒ Designated Operations Covered By A Controlled (Wrap-Up) Insurance Program (New 08 24 edition)

This endorsement is similar to BP 16 27, but it makes an exception: if the insured’s scheduled operations are covered by a controlled Wrap-Up insurance program and that program is canceled, non-renewed, or no longer applies (for reasons other than using up all policy limits), coverage is provided. The insured must promptly notify the insurer if the Wrap-Up insurance program is canceled, non-renewed, or otherwise ends for these reasons.

BP 16 29 Exclusion ‒ Designated Operations Covered By A Controlled (Wrap-Up) Insurance Program ‒ Limited Exception For Additional Insured (New 08 24 edition)

This endorsement excludes bodily injury or property damage caused by the insured’s ongoing operations or completed products at certain sites if the insured participates in a controlled Wrap-Up insurance program at those locations. This exclusion applies regardless of whether the Wrap-Up program provides identical coverage, adequate limits, or remains in effect. However, the exclusion does not apply to additional insureds who are not enrolled in such a program at the listed locations. The document defines a controlled Wrap-Up insurance program as a centralized insurance arrangement covering contractors or subcontractors for specific projects.

BP 16 30-Limited Exclusion – Designated Operations Covered By A Controlled (Wrap-Up) Insurance Program – Limited Exception For Additional Insured (New 08 24 edition)

This endorsement excludes liability coverage at certain locations if the insured is covered by a controlled Wrap-Up insurance program there, with exceptions for non-enrolled additional insureds or if the wrap-up coverage is canceled or exhausted.

BP 16 31-Premium Audit Noncompliance Charge (New 08 24 edition)

If the insured does not provide the insurer with the information needed to calculate the premium, a penalty will be charged. The penalty is calculated by multiplying a set factor by the Total Advance Premium listed in the Schedule or Declarations. The endorsement includes an example to show how the charge is applied. A number of attempts will be made to receive information from the insured before the noncompliance charge is made.

If the insured receives a bill for an audit noncompliance charge, they may request a reassessment if permitted under the Schedule. To do this, the insured must notify the insurer in writing that they will comply with the audit before the bill’s due date, then complete the audit within 30 days after the insurer receives this notice. If the insured complies within 30 days, the audit noncompliance charge will not apply, but any reassessment charge will. If the insured does not comply within 30 days, both charges become final.

BP 16 32-Amendment - Liquor Liability Exclusion - Limited Exception For Bring Your Own Alcohol (New 08 24 edition)

This form excludes bodily injury or property damage resulting from, causing, or contributing to someone's intoxication, providing alcohol to underage or intoxicated individuals, or violating alcohol-related laws. This exclusion applies even if the claims involve negligence in supervision or transportation, and only if the insured is involved in manufacturing, selling, or serving alcohol in certain ways. Allowing guests to bring their own alcohol onto the premises is not considered serving or selling under this exclusion.

BP 16 33-Business Personal Property Limited International Coverage (New 08 24 edition)

This endorsement extends coverage to the insured's business personal property while the insured is temporarily in or traveling to or from the specified foreign territories.

BP 16 34-Property In Process Of Manufacture By Others Limited International Coverage (New 08 24 edition)

This endorsement extends coverage to raw materials and in-process goods while they are being manufactured within the designated foreign territories.

BP 16 35-Business Income From Dependent Properties Limited International Coverage (New 08 24 edition)

This endorsement provides coverage for lost business income that occurs after property is damaged at specified dependent locations, including those in foreign territories.

BP 16 36-Extra Expense From Dependent Properties Limited International Coverage (New 08 24 edition)

This endorsement provides coverage for additional expenses needed because of property loss or damage at specified dependent locations, including those in foreign countries.

BP 16 37-Designated Location(s) Products/Completed Operations Aggregate Limit (New 08 24 edition)

This endorsement is like BP 14 17, but BP 16 37 changes the policy so that the Products-Completed Operations Aggregate Limit applies to specific locations instead of the whole policy.

· The schedule limits coverage to certain locations.

· Each location gets its own Products/Completed Operations Aggregate Limit, equal to what’s listed in the policy’s Declarations. This limit only goes down if a claim is clearly tied to that location’s operations or products.

· If a claim can’t be linked to just one location, the overall Products/Completed Operations Aggregate Limit from the policy applies.

· Damages not related to products-completed operations (except for bodily injury or property damage) are subject to the Other Than Products/Completed Operations Aggregate Limit, not the location or products-completed operations limits.

· Anything not changed by this endorsement still follows the original policy rules.

BP 16 38-Designated Project(s) Products/Completed Operations Aggregate Limit (New 08 24 edition)

This endorsement is like BP 14 18, but BP 16 38 replaces the standard Products-Completed Operations Aggregate Limit with a Designated Project Products-Completed Operations Aggregate Limit. It also omits the word “construction,” allowing for more flexibility with various risks.

· The schedule lets you limit coverage to certain projects.

· Paragraph A: Each project gets its own aggregate limit, equal to the main policy’s limit, but this project limit is only reduced by claims tied to that specific project.

· Paragraph B: Claims that cannot be linked to a single project use the main policy’s aggregate limit.

· Paragraph C: Claims for damages (other than bodily injury or property damage in the products-completed operations hazard) use a different limit and are not affected by either aggregate limit above.

· Paragraph D: If a project is abandoned, delayed, or changed, it’s still considered the same project, so the same aggregate limit continues to apply.

· Paragraph E: Any other policy terms not changed by this endorsement still apply.

BP 16 39-Broad Abuse Or Molestation Exclusion (New 08 24 edition)

This endorsement excludes claims related to abuse or molestation, including sexual abuse, whether it actually occurred, was alleged, or merely threatened. It also excludes situations where someone for whom the insured is or was responsible (such as an employee) is involved in such conduct, or where there are issues with how they were hired, supervised, or reported.

BP 16 40-Sexual Abuse Or Sexual Molestation Exclusion (New 08 24 edition)

This endorsement is similar to Endorsement BP 16 39, but it specifically covers sexual abuse or sexual molestation.

BP 16 41-Sexual Abuse Or Sexual Molestation Liability Coverage (New 08 24 edition)

This endorsement states that damages from sexual abuse or molestation are generally excluded from coverage. Limited coverage is available under specific conditions, with strict limits and requirements. The insurer may defend the insured in lawsuits, but only up to certain limits and if the insured is not found responsible for abuse. The policy also details how it interacts with other insurance and defines key terms and procedures.

BP 16 42-Sexual Abuse Or Sexual Molestation Of Any Person Committed By The Insured Liability Coverage (New 08 24 edition)

This endorsement is like Endorsement BP 16 41, but it only provides coverage if the insured commits sexual abuse or molestation. Endorsement BP 16 42 defines "act of sexual abuse or sexual molestation" as the actual, alleged, or threatened abuse or molestation by the insured, or the negligent hiring, supervision, or retention of someone for whom the insured is responsible if that person commits such acts.

BP 16 43-Sexual Abuse or Sexual Molestation Liability Coverage (Claims Made) (New 08 24 edition)

This endorsement is like Endorsement BP 16 41 but provides claims-made coverage. It includes Retroactive Date provisions. There is a Basic Extended Reporting Period of 60 days at no extra cost, and a Supplemental Extended Reporting Period (SERP) of five years can be added for an extra premium (up to 200% of the annual premium). The insured has 60 days after the policy, endorsement, or policy period ends (whichever is earliest) to notify the insurer in writing if they want to buy the five-year SERP. The SERP Aggregate Limit matches the Sexual Abuse or Sexual Molestation Aggregate Limit listed in the endorsement schedule.

BP 16 44-Sexual Abuse Or Sexual Molestation Of Any Person Committed By The Insured Liability Coverage (New 08 24 edition)

This endorsement is similar to Endorsement BP 16 42, except this endorsement provides coverage on a claims-made basis. The claims-made provisions are similar to the provisions in Endorsement BP 16 43.

BP 16 45-Supplemental Extended Reporting Period Endorsement For Sexual Abuse Or Sexual Molestation Liability Coverage (New 08 24 edition)

This endorsement offers a Supplemental Extended Reporting Period and can be used with either BP 16 43 or BP 16 44 when an extra premium is paid. It has a separate limit for the Supplemental Extended Reporting Period that isn't affected by Other Than Products/Completed Operations Aggregate Limit in BP 00 03.

BP 16 46-Cannabis Property Coverage (New 08 24 edition)

This endorsement offers three optional coverages:

· Cannabis Stock Coverage protects the insured’s cannabis stock and that of others in their care, provided it is legal at the location. It does not cover cannabis being cultivated or products made from hemp. This coverage is included within the overall Business Personal Property insurance. The value of cannabis stock is based on replacement cost, or selling price if sold but not delivered. Market value may be used if specified. For cannabis stock of others under contract, valuation is determined by the contract liability, up to the replacement cost or insurance limit. An optional deductible may apply; if not chosen, the standard property deductible is used. Special deductible rules are in place when losses involve both cannabis and other covered property.

· Cannabis Business Income Coverage extends business income coverage to losses caused by cannabis-related operations, unless the loss is solely from cannabis stock not covered under the first option. Excludes coverage for hemp-derived products.

· Cannabis Extra Expense Coverage extends extra expense coverage for costs related to cannabis business disruptions, unless the disruption is solely from cannabis stock not covered under the first option. Excludes coverage for hemp-derived products.

Cannabis is defined broadly to include any product with THC or other cannabinoids, whether natural or synthetic. Cannabis activity is also a defined term in the endorsement.

BP 16 47-Exclusion – Designated Cannabis Products (New 08 24 edition)

This endorsement primarily relies on BP 14 23 – Exclusion – Designated Products, but specifically applies to products labeled as "cannabis" listed in the endorsement's schedule.

BP 16 48-Exclusion – Cannabis Products (New 08 24 edition)

This endorsement is also based on BP 14 23, and all products that are cannabis are excluded.

BP 16 49–Cannabis Activity Liability Coverage Aggregate Limit (New 08 24 edition)

This endorsement sets a total limit for injuries or damage from cannabis activity. This limit is also controlled by other policy limits, depending on the situation. Both Medical Expenses and Damage To Premises Rented To You Limits still apply, but only if there is enough coverage left under the Cannabis Activity Aggregate Limit. This endorsement also covers loss of electronic data if the policy includes the Electronic Data Liability – Broad Coverage Endorsement BP 05 96.

BP 16 50-Cannabis Liability Exclusion With Hemp Exception Subject To Hemp Aggregate Limit (New 08 24 edition)

This endorsement is based on BP 15 33 – Cannabis Liability Exclusion With Hemp Exception. It broadens the exclusion of cannabis from Businessowners Liability Coverage but allows an exception for hemp. This exception is capped by a Hemp Aggregate Limit. The insurance limits section closely resembles that of endorsement BP 16 49. Use this endorsement instead of BP 15 33 only if you wish to limit hemp coverage to a specified hemp aggregate limit.

BP 16 51-Cannabis Liability Exclusion With Designated Product Or Work Exception Subject To Cannabis Products/Completed Operations Aggregate Limit (New 08 24 edition)

This endorsement changes Businessowners Liability Coverage to exclude cannabis-related liability, except for certain products or work, and sets a Cannabis Products/Completed Operations Aggregate Limit. Paragraphs A and D are based on BP 15 32 – Cannabis Liability Exclusion.

CONDOMINIUM ENDORSEMENTS (BP 17)

BP 17 01–Condominium Association Coverage (08 24 edition)

This endorsement amends coverage to apply to condominium associations. If a unit owner has other insurance that covers the same property that this insurance covers, it makes this insurance primary and non-contributory with the unit owner’s insurance. Coverage applies to listed real and personal property.

NOTE: The 08/24 edition expands the coverage radius to 1,000 feet for various property types and updates the building coverage to include antennas (like dish-shaped antennas), their lead-in wiring, and attached masts or towers, provided they are not covered by other insurance.

BP 17 02–Condominium Commercial Unit-Owners Coverage (08 24 edition)

This endorsement amends personal property coverage to apply to the special needs of condominium commercial unit owners.

NOTE: The 08/24 edition expands the coverage radius to 1,000 feet for various property types. Also, the Vacancy Property Loss Condition is revised to state that “building” means the unit or suite owned by the insured.

BP 17 03–Condominium Commercial Unit-Owners Optional Coverages (08 24 edition)

This endorsement provides loss assessment and miscellaneous real property coverages for condominium commercial unit owners listed on the endorsement schedule.

NOTE: The 08 24 edition is amended to let users remove the sub-limit entirely. In this case, loss assessments from the condominium association’s deductible will be covered up to the Loss Assessment Limit of Insurance listed in the Schedule. The endorsement still allows these assessments to be subject to a scheduled sub-limit if preferred. The BP 17 03 Schedule is updated to allow listing specific unit numbers.

BP 17 04-Condominium Additional Provisions

This endorsement clarifies that a Businessowners Policy for condo associations covers buildings, common areas, and property managed by the association, but not items owned only by unit-owners. The association’s insurance is primary, and liability coverage applies to the developer and unit-owners for common areas only. Claims can be paid to a trustee, and 30 days’ notice is required for cancellation or nonrenewal. Recovery rights are waived for unit-owners and board members acting officially, but not for the developer’s own liabilities.

CYBER INCIDENT LIABILITY (BP 18)

BP 18 03-Cyber Incident Liability Exclusion (New 12 23 edition)

This endorsement excludes bodily injury, property damage, or personal and advertising injury caused by a cyber incident, including costs like notification, credit monitoring, forensic investigation, public relations, data restoration, extortion, or similar expenses.

A cyber incident means: unauthorized access or use of any computer system; malicious code or viruses designed to access, modify, damage, delete, destroy, disrupt, encrypt, exploit, or restrict access to a system; or a denial of service attack that disrupts or restricts system access or operation.

BP 18 04-Exclusion – Violation Of Law Addressing Data Privacy (New 12 23 edition)

This endorsement excludes claims for bodily injury, property damage, or personal and advertising injury caused by actions or failures to act that violate data privacy laws, including federal, state, or local laws like BIPA, CCPA, or GDPR, and any amendments or additional laws.

BP 18 05-Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion, Deletion Of Bodily Injury Exception (New 12 23 edition)

This endorsement does not cover damages to electronic data—such as loss, damage, corruption, or access problems—unless they result from physical harm to tangible property. It also excludes bodily injury or property damage stemming from cyber incidents, along with associated costs like notification or forensic expenses. The maximum payout for electronic data loss under business liability is detailed in the endorsement schedule per occurrence.

BP 18 06-Cyber Incident Liability Exclusion For Electronic Data Liability – Broad Coverage (New 12 23 edition)

This endorsement excludes losses from cyber incidents, including loss of electronic data caused by such incidents, even if the claim includes damages for notification costs, monitoring, forensic work, public relations, data recovery, extortion, or similar expenses.

A cyber incident includes unauthorized access to or use of a computer system, malicious code or viruses designed to damage or disrupt the system, and denial-of-service attacks that prevent or interfere with system access or normal operation.

BP 18 07-Cyber Incident Liability Coverage Subject To Each Cyber Incident Occurrence And Aggregate Limits (New 12 23 edition)

This insurance covers damages from bodily injury or property damage caused by a cyber incident, but only up to the specified limits.

· The insurance does not cover costs like notification, credit monitoring, forensic expenses, public relations, data restoration, or extortion resulting from a cyber incident.

· It also does not cover damages related to loss, corruption, or inability to use "electronic data" from a cyber incident, except for bodily injury or property damage.

· There are specific limits to how much the insurer will pay for all claims from cyber incidents, as detailed in the policy's schedule.

· If another endorsement about access or disclosure of personal/confidential information is attached, its provisions don’t apply where this endorsement gives coverage.

BP 18 08-Cyber Incident Liability Coverage And Electronic Data Liability Coverage Subject To Loss Of Electronic Data, Each Cyber Incident Occurrence And Aggregate Limits (New 12 23 edition)

This endorsement covers damages from bodily injury or property damage caused by a cyber incident, and loss of electronic data resulting from physical injury to property, up to the limits in Paragraph D.

· The policy does not cover damages from loss, damage, or inability to access or use electronic data, except when liability is for bodily injury. Costs like notification, monitoring, forensic work, public relations, data restoration, extortion, or similar expenses from a cyber incident are not covered.

· Personal and advertising injury from a cyber incident is also not covered, even if costs like notification, monitoring, forensic, or restoration expenses are claimed.

· Coverage limits are set for all damages from all cyber incidents, for each cyber incident, and for loss of electronic data per occurrence, as shown in the endorsement schedule.

· If another endorsement excludes access or disclosure of confidential or personal information, that exclusion does not apply if this endorsement provides coverage.

BP 18 09-Exclusion – Electronic Data – Deletion Of Bodily Injury Exception (New 12 23 edition)

This form removes the Bodily Injury exclusion in Section II – Liability, paragraph q. Electronic Data.

Section	Description
BP DS	Declarations and Schedules
BP IN	Index
BP 00	Coverage Form
BP 03	Deductible Endorsements
BP 04	Additional Coverage Endorsements
BP 05 and BP 06	Miscellaneous Endorsements, Exclusions, and Schedules
BP 07	Contractors Endorsements
BP 08	Professional Liability Endorsements
BP 10	Causes of Loss Endorsements
BP 12	General Endorsements
BP 14	Coverage Endorsements and Exclusions
BP 15	Miscellaneous Endorsements
BP 16	Additional Coverages
BP 17	Condominium Coverage Endorsements
BP 18	Cyber Incident Liability