ISO BUSINESSOWNERS PROGRAM ENDORSEMENTS CHECKLIST

(July 2026)

This list identifies endorsements by form number and title that you can modify or attach to the Insurance Services Office (ISO) Businessowners Coverage Form. It does not include any terrorism endorsements or any state-specific endorsements, changes, or amendments.

Related Article: ISO Businessowners Program Available Endorsements and Their Uses

Place a checkmark beside any endorsement you recommend be included.

BP 03 12–Windstorm or Hail Percentage Deductibles

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

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

BP 04 04–Hired Auto and Non-Owned Auto Liability

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

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

BP 04 08–Additional Insured–Unit-Owners of Townhouse Associations (08 24 edition)

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

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

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

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

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

BP 04 15–Spoilage Coverage

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

BP 04 17–Employment-Related Practices Exclusion

BP 0418–Amendment – Liquor Liability Exclusion (new 08 24 edition)

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

BP 04 30–Protective Safeguards (08 24 edition)

BP 04 31–Food Contamination

BP 04 37–Exclusion–Personal and Advertising Injury

BP 04 38–Medical Expenses–Exclusion

BP 04 39–Abuse or Molestation Exclusion (withdrawn in 08 24 edition)

BP 04 40–Coverage for Injury to Leased Workers

BP 04 41–Business Income Changes–Time Period

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

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

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

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

BP 04 50–Additional Insured–Owners, Lessees, or Contractors–Scheduled Person or Organization (08 24 edition)

BP 04 51–Additional Insured–Owners, Lessees or Contractors–Automatic Status When Required in A Written Construction Agreement With You

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

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

BP 04 54–Newly Acquired Organizations

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

BP 04 56–Utility Services–Direct Damage

BP 04 57–Utility Services–Time Element

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

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

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

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

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

BP 04 85–Functional Business Personal Property Valuation

BP 04 86–Vacancy Changes

BP 04 87–Vacancy Permit (08 24 edition)

BP 04 88–Liquor Liability

BP 04 89–Liquor Liability Coverage

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

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

BP 04 92–Total Pollution Exclusion

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

BP 04 94–Limited Pollution Liability Extension

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

BP 04 98–Employee Benefits Liability Coverage

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

BP 05 01–Calculation of Premium

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

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

BP 05 76–Changes–Limited Fungi Coverage

BP 05 77–Fungi or Bacteria Exclusion (Liability)

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

BP 05 89–Employment-Related Practices Liability Endorsement

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

BP 05 94–Electronic Commerce (E-Commerce)

BP 05 95–Electronic Data Liability–Limited Coverage Subject to Cyber Incident Exclusion

BP 05 96–Electronic Data Liability–Broad Coverage

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

BP 05 98–Amendment of Insured Contract Definition

BP 06 01-Exclusion of Loss Due to Virus or Bacteria

BP 06 49-Burglary and Robbery Protective Safeguards

BP 07 01–Contractors’ Installation, Tools, and Equipment Coverage

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

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

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

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

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

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

BP 07 11–Hotels, Motels and Inns–Liability for Guests’ Property in Safe Deposit Boxes (08 24 edition)

BP 07 12–Self-Storage Facilities

BP 07 75–Apartment Buildings

BP 07 76–Apartment Buildings–Loss or Damage to Tenants' Autos (Legal Liability Coverage)

BP 07 77–Fine Arts Coverage

BP 07 78–Restaurants

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

BP 07 81–Residential Cleaning Services (08 24 edition)

BP 07 83–Photography (08 24 edition)

BP 07 84–Photography–Makeup and Hairstyling

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

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

BP 08 02–Funeral Directors Professional Liability

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

BP 08 04–Printers Errors and Omissions Liability

BP 08 05–Veterinarians Professional Liability

BP 08 06–Pharmacists–Broad Coverage

BP 08 07–Pharmacists (08 24 edition)

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

BP 10 03–Earthquake (08 24 edition)

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

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

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

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

BP 10 09–Named Perils (08 24 edition)

BP 10 10–Sprinkler Leakage–Earthquake Extension

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

BP 10 79–Flood Coverage

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

BP 10 88–Optional Outdoor Property Coverage

BP 12 01–Businessowners Policy Changes

BP 12 02–Fire Department Service Contract

BP 12 03–Loss Payable Provisions

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

BP 14 01–Identity Fraud Expense Coverage

BP 14 02–Additional Insured–Owners, Lessees or Contractors–Completed Operations (08 24 edition)

BP 14 03–Theft of Clients' Property Coverage

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

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

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

BP 14 07–Business Income and Extra Expense–Revised Period of Indemnity

BP 14 08–Exclusion–Exterior Insulation and Finish Systems

BP 14 09–Debris Removal Additional Insurance

BP 14 10–Brands and Labels

BP 14 11–Abuse or Molestation Exclusion–Specified Services (withdrawn 08 24 edition)

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

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

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

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

BP 14 16–Snowplow Products–Completed Operations Hazard Coverage

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

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

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

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

BP 14 21–Exclusion–Designated Work

BP 14 22–Exclusion–Products-Completed Operations Hazard

BP 14 23–Exclusion–Designated Products

BP 14 30–Discretionary Payroll Expense

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

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

BP 14 79–Specified Business Personal Property Temporarily Away from Premises

BP 14 80–Higher Limits

BP 14 81–Limitations on Coverage for Roof Surfacing

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

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

BP 14 84–Windstorm or Hail Exclusion

BP 14 86–Communicable Disease Exclusion

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

BP 14 88–Primary and Noncontributory–Other Insurance Condition

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

BP 14 91–Amendment of Personal and Advertising Injury Definition

BP 15 04–Exclusion-Access or Disclosure of Confidential or Personal Material or Information

BP 15 05–Exclusion-Access or Disclosure of Confidential or Personal Information & Data-Related Liability-Limited Bodily Injury Exception Not Included

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

BP 15 07–Information Security Protection Endorsement (08 24 edition)

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

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

BP 15 11–Exclusion – Unmanned Aircraft

BP 15 12–Limited Coverage for Designated Unmanned Aircraft

BP 15 30–Cannabis Property Exclusion

BP 15 31–Cannabis Property Exclusion with Hemp Exception

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

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

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

BP 15 60-Cyber Incident Exclusion

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

BP 15 81-Additional Insured – Owners, Lessees or Contractors – Automatic Status For Other Parties When Required in Written Construction Agreement (Completed Operations)

BP 15 82-Additional Insured – Automatic Status for Designated Operations

BP 15 83-Additional Insured – Automatic Status When Required in Written Contract or Agreement

BP 15 84-Additional Insured – Vendors – Automatic Status When Required in Agreement

BP 15 85-Additional Insured – Concessionaires Trading Under Your Name

BP 15 86-Additional Insured – Executors, Administrators, Trustees or Beneficiaries

BP 15 87-Additional Insured – Lessor of Leased Equipment – Automatic Status When Required in Lease Agreement With You

BP 15 88-Additional Insured – Grantor of Licenses

BP 15 89-Additional Insured-Grantor of Licenses – Automatic Status When Required By Licensor

BP 15 90-Waiver of Transfer Of Rights Of Recovery Against Others To Use (Waiver Of Subrogation) - Automatic

BP 15 91-Exclusion – Perfluoroalkyl And Polyfluoroalkyl Substances (PFAS)

BP 15 92-Excess Insurance Provision – Order of Response – When You Are An Additional Insured On Other Insurance

BP 15 94-Limited Coverage for Unmanned Aircraft (Scheduled And/Or Blanket Coverage)

BP 15 95-Amendment of Coverage Territory for Unmanned Aircraft – Worldwide Coverage

BP 15 96-Loss or Damage To Invitees’ Autos (Legal Liability Coverage) – Scheduled Premises

BP 15 97-Loss or Damage To Invitees’ Autos (Legal Liability Coverage) – Care, Custody Or Control

BP 15 98-Auto Services Risks

BP 15 99-Auto Services Risks-Canine Exclusion

BP 16 15-Genetically Modified Organism Exclusion

BP 16 16-Genetically Modified Organism Exclusion for Designated Operations or Products

BP 16 17-Exclusion-Athletic or Sports Participants

BP 16 18-Exclusion-Athletic or Sports Participants-All Contests or Exhibitions

BP 16 19-Exclusion-Hired Auto Liability

BP 16 20-Exclusion-Earth Movement

BP 16 21-Exclusion-Earth Movement-Completed Operations

BP 16 22-Earth Movement-Exclusion for Designated Operation(s) or Project(s)

BP 16 23-Exclusion-All Hazards in Connection With an Electronic Smoking Device, Its Vapor, Component Parts, Equipment and Accessories

BP 16 24-Exclusion-Health Hazards, Electronic Smoking Device Vapor

BP 16 25-Exclusion-Designated Ongoing Operations

BP 16 26-Exclusion-Cross Suits Liability

BP 16 27-Exclusion-Designated Operations Covered by a Controlled (Wrap-Up) Insurance Program

BP 16 28-Limited Exclusion-Designated Operations Covered by a Controlled (Wrap-Up) Insurance Program

BP 16 29-Exclusion-Designated Operations Covered by a Controlled (Wrap-Up) Insurance Program-Limited Exception for Additional Insured)

BP 16 30-Limited Exclusion-Designated Operations Covered by a Controlled (Wrap-Up) Insurance Program-Limited Exception for Additional Insureds

BP 16 31-Premium Audit Noncompliance Charge

BP 16 32-Amendment-Liquor Liability Exclusion-Limited Exception for Bring Your Own Alcohol

BP 1633-Business Personal Property Limited International Coverage

BP 16 34-Property in Process of Manufacture by Others Limited International Coverage

BP 16 35-Business Income From Dependent Properties Limited International Coverage

BP 16 36-Extra Expense From Dependent Properties Limited International Coverage

BP 16 37-Designated Location(s) Products/Completed Operations Aggregate Limit

BP 16 38-Designated Project(s) Products/Completed Operations Aggregate Limit

BP 16 39-Broad Abuse or Molestation Exclusion

BP 16 40-Sexual Abuse or Sexual Molestation Exclusion

BP 16 41-Sexual Abuse or Sexual Molestation Liability Coverage

BP 16 42-Sexual Abuse or Sexual Molestation of Any Person Committed by The Insured Liability Coverage

BP 16 43-Sexual Abuse or Sexual Molestation Liability Coverage

BP 16 44-Sexual Abuse or Sexual Molestation of Any Person Committed by The Insured Liability Coverage (Claims-Made)

BP 16 45-Supplemental Extended Reporting Period Endorsement for Sexual Abuse or Sexual Molestation Liability Coverage

BP 16 46-Cannabis Property Coverage

BP 16 47-Exclusion-Designated Cannabis Products

BP 16 48-Exclusion-Cannabis Products

BP 16 49-Cannabis Activity Liability Coverage Aggregate Limit

BP 16 50-Cannabis Liability Exclusion With Hemp Exception Subject to Hemp Aggregate Limit

BP 16 51-Cannabis Liability Exclusion With Designated Product or Work Exception Subject to Cannabis Products/Completed Operations Aggregate Limit

BP 17 01–Condominium Association Coverage

BP 17 02–Condominium Commercial Unit-Owners Coverage

BP 17 03–Condominium Commercial Unit-Owners Optional Coverages

BP 17 24–Condominiums, Co-Ops, Associations–Directors and Officers Liability Endorsement

BP 18 03-Cyber Incident Liability Exclusion

BP 18 04-Exclusion – Violation Of Law Addressing Data Privacy

BP 18 05-Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion, Deletion Of Bodily Injury Exception

BP 18 06-Cyber Incident Liability Exclusion For Electronic Data Liability – Broad Coverage

BP 18 07-Cyber Incident Liability Coverage Subject To Each Cyber Incident Occurrence And Aggregate Limits

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

BP 18 09-Exclusion – Electronic Data – Deletion Of Bodily Injury Exception