2. to building and personal property in that building, if both sustain damage;

3. to personal property in each building;

4. and to personal property in the open.

This replaces the flat deductible amounts of $250, $500, $1,000, or $2,500.

Comprehensive Business Liability Exclusion (BP 04 01 06 89 ): excludes specific projects, location hazards, operations or equipment

Additional Insured – Managers or Lessors of Premises (BP 04 02 01 87 ): includes as additional insureds designated persons or organizations for their liability as owners of designated premises leased to the named insured. It also adds two exclusions:

1. any occurrence at the insured location after the named insured moves out;

2. any construction, alterations, etc. done at the insured location by or for the additional insured.

Hired Auto and Nonowned Auto Liability ([IDL: BP 04 04 01 96 ): provides either or both nonowned or hired auto coverage. Nonowned auto liability provides coverage for any auto that is not owned, borrowed or hired by the insured. Hired auto liability provides coverage for autos leased, hired or borrowed by the insured. This endorsement is not available to insureds who have a policy covering other commercial automobile exposures and does not require a mandatory audit by the company.

Additional Insured – Controlling Interest (BP 04 06 01 87 ): provides coverage for additional insureds who control either the insured or the insured's premises. The endorsement excludes any construction, alterations, etc. done at the insured location by or for the additional insured.

Additional Insured – State or Political Subdivisions – Permits Relating to Premises (BP 04 07 01 87 ): provides coverage for governmental organizations issuing permits to owners or lessors certain premises hazards:

1. the existence of certain characteristics (such as awnings, canopies, driveways, etc.)

2. the construction, removal, or operation of elevators.

Additional Insured – Townhouse Associations (BP 04 08 01 96 ): covers individual townhouse owners for liability arising from membership in townhouse associations.

Additional Insured – Mortgagee, Assignee, or Receiver (BP 04 09 01 87 ): covers mortgagees, assignees or receivers on policies covering owners or general lessees. Construction and alterations are excluded.

Additional Insured – Owner or Other Interests From Whom Land Has Been Leased (BP 04 10 01 87 ): covers owners or lessors of land leased to the insured. Construction, alterations and post-lease occurrences are excluded.

Additional Insured – Co-Owner of Insured Premises (BP 04 11 01 87 ): covers co-owners of the insured premises.

Limitation of Coverage to Designated Premises or Project (BP 04 12 01 87 ): limits liability coverage to only those premises, operations and projects specifically designated.

Additional Insured – Engineers, Architects, or Surveyors (BP 04 13 01 96 ): covers engineers, architects or surveyors engaged by the insured for premises and operations liability. Professional liability is excluded.

Spoilage Coverage (BP 04 15 01 97 ): direct damage coverage may be extended for spoilage of perishable stock caused by breakdown or contamination and/or power outage.

Additional Insured – Lessor of Leased Equipment (BP 04 16 06 89 ): includes as an additional insured a designated person or organization leasing equipment to the insured, for liability that involves contributory negligence and arises out of an occurrence that takes place during the term of the lease. A separate endorsement should be attached for each such lessor named as an additional insured.

Employment-Related Practices Exclusion (BP 04 17 01 96 ): amends the businessowners liability coverage form by excluding bodily injury and personal injury arising out of employment-related practices.

Amendment – Liquor Liability Exclusion (BP 04 18 06 89 ): amends the liquor liability exclusion in the businessowners liability coverage form by specifying that the exclusion applies (1) whenever a charge is made for serving or furnishing alcoholic beverages, and (2) when alcohol is served or furnished without charge, if a license is required for the activity.

Amendment Liquor Liability Exclusion – Exception for Scheduled Activities (BP 04 19 06 89 ): provides the same exclusion as BP 04 18, but permits exemption of functions scheduled in the endorsement.

Protective Safeguards (BP 04 30 01 96 ): adds the requirement that the insured must maintain any protective devices or safeguards listed. If the insured does not maintain these devices, the policy does not pay for loss by fire.

Computer Coverage (BP 04 33 01 97 and BP 04 34 01 97 ): optional coverage for risks of direct physical loss or damage is available for:

a. electronic data processing equipment (this coverage includes mechanical breakdown coverage).

b. electronic data processing media and records.

An automatic limit of 25 percent of the electronic data processing equipment limit applies unless a higher limit is selected. Coverage must be provided for electronic data processing equipment and media when the computer coverage endorsement is written.

Separate endorsements apply to the standard businessowners property coverage form and special businessowners property coverage form, although both endorsements afford equivalent coverage.

Personal and Advertising Injury (BP 04 37 01 96 ): amends the businessowners liability coverage form by excluding all coverage for personal and advertising injury liability. It is mandatory for the following classifications: detective or investigative agencies – private; employment agencies; labor union offices; lawyers offices; political campaign headquarters or offices; security and patrol agencies.

Medical Expenses – Exclusion (BP 04 38 01 96 ): amends the businessowners liability coverage form by excluding medical payments coverage. Use is mandatory where the exposure includes swimming facilities.

Abuse or Molestation Exclusion (BP 04 39 01 96 ): amends the businessowners liability coverage form by excluding abuse or molestation by anyone of any person while in the care, custody or control of any insured.

Coverage for Injury to Leased Workers (BP 04 40 01 96 ): amends the businessowners liability coverage form, with respect to the employer's liability exclusion to provide that the definition of employee does not include leased employees.

Ordinance or Law Coverage (BP 04 46 01 96 ): offers ordinance or law coverage as an option to all policyholders. This is not a separate limit of insurance. Building coverage under the standard or special property coverage form is extended to include loss to the undamaged portion of the building.

Additional Insured – Vendors (BP 04 47 01 97 ): may be added to policies insuring distributors. Includes as an additional insured a vendor shown in the schedule of the endorsement, but only with respect to liability arising out of the vendor's sale or distribution of the named insured's products.

Additional Insured – Designated Person or Organization (BP 04 48 01 97 ): adds any person or organization that the insured wishes as an additional insured. The coverage for the additional insured is limited to the named insured's operations or premises.

Additional Insured – Engineers, Architects or Surveyors not Engaged by the Named Insured (BP 04 49 01 97 ): can be used to add these entities if the named insured is contractually obligated to do so.

Newly Acquired Organizations – Businessowners Liability (BP 04 54 01 97 ): amends the businessowners liability coverage form to provide limited coverage (ninety days) for newly acquired or formed organizations.

Utility Services – Direct Damage (BP 04 56 01 97 ): property damage coverage may be extended to cover loss of or damage to covered property described in the schedule caused by direct physical loss or damage to off-premises: a. properties providing water, communication and power supply services; and b. overhead transmission and overhead communication lines.

Utility Services – Time Element (BP 04 57 01 97 ): time element coverage may be extended to cover loss at the described premises resulting from the failure of utility property located outside the covered building, regardless of whether such property is located on or off-premises.

Amendment of Policy Provisions – Contractors (BP 07 01 01 97 ): modifies insurance provided under the BOP to include additional property and liability coverage for contractors. The following coverage extensions are added to the BOP: contractors installation coverage and contractors tools and equipment coverage.

Contractors Installation Coverage Endorsement (BP 07 05 01 97 ): provides coverage for contractors materials, supplies, equipment, machinery and fixtures, and temporary structures. The property is covered at any covered job site not owned, leased, or operated by the insured contractor; while awaiting and during installation or while awaiting acceptance by the purchaser; while in transit; or at any temporary storage location. This endorsement should be used only with BP 00 02 12 99 , special property coverage form.

Contractors Tools and Equipment Coverage Endorsement (BP 07 06 01 97 ): similar to BP 07 05 01 97 but specifically for tools and equipment.

Pesticide or Herbicide Applicator Coverage Endorsement (BP 07 08 01 97 ): amends the pollution exclusion on the BOP liability form to make it inapplicable to operations of a landscape gardener; that is, provided that such operations meet all standards of any statute, ordinance, regulation, or license requirement of any federal, state, or local government that apply to such operations.

Barbers and Beauticians Professional Liability (BP 08 01 01 97 ): provides professional liability coverage for bodily injury, property damage, personal injury and advertising injury or other injury that results from the rendering of or failure to render professional services in the operation of a barber shop or beauty salon.

Funeral Directors Professional Liability (BP 08 02 01 97 ): used to provide professional liability coverage for bodily injury, property damage, personal injury, advertising injury or other injury arising out of the rendering, or failure to render, professional services as a funeral director.

Optical and Hearing Aid Establishments (BP 08 03 01 97 ): used to provide professional liability coverage for bodily injury, property damage, personal injury and advertising injury arising out of the rendering of or failure to render, professional services by an establishment's certified/licensed opticians or hearing aid specialists while performing services at the designated premises.

Printer's Errors and Omissions Liability (BP 08 04 01 97 ): provides liability coverage for the insured's negligent acts, errors or omissions in providing printing services. The endorsement does not apply to any claim resulting from any publishing function.

Veterinarians Professional Liability Coverage (BP 08 05 01 97 ): used to provide professional liability coverage for bodily injury, property damage, personal injury and advertising injury arising out of the rendering, or failure to render, professional services as a veterinarian.

Eligible veterinarians are veterinarians specializing in the treatment of house pets. Veterinarian “specialists” (e.g., zookeepers, breeders, vets treating prize livestock, etc.) are not eligible.

Earthquake (BP 10 03 01 96 ): extends coverage provided under the standard and special form to cover against loss by earthquake.

Fire Department Service Contract (BP 12 02 01 87 ): for use when maintenance of a service contract with a privately owned fire department is required to apply a public protection classification.

Loss Payable Provisions (BP 12 03 06 89 ): provides for naming a loss payee; a lender's loss payee; or a loss payee under a contract-of-sale arrangement.

Condominium Commercial Unit-Owners Optional Coverages (BP 17 03 01 97 ): provides the following coverages for condominium unit-owners:

a. loss assessment: applies to assessments charged to the unit-owners by the condominium association as a result of direct physical loss of or damage to property in which each unit-owner has an undivided interest. If the assessment results from a deductible in the association's insurance, the company will not pay more than $1,000 regardless of the limit of insurance. A $500 deductible applies to each unit under this coverage.

b. miscellaneous real property: this coverage applies to condominium property that pertains only to the unit-owner's unit or to property that the unit-owner must insure according to the condominium association agreement.