Summary: There are three alternatives insureds may select from when arranging the scope of coverage desired under ISO's commercial property program. A named perils or open perils policy written under the simplified language commercial property program of Insurance Services Office must incorporate one of three alternative causes of loss forms—basic form CP 10 10 04 02, broad form CP 10 20 04 02, or special form CP 10 30 04 02—which are differentiated by the scope of covered perils (referred to in the forms as “causes of loss” rather than “perils”) each provides. A fourth cause of loss form, CP 10 40 08 99, provides earthquake coverage for insureds who choose to add it to their policies. A number of additional, optional causes of loss endorsements are available to modify the terms of whichever of the primary forms the policy contains.