Premises Or Operations), BP 04 01

Additional Insured – Managers Or Lessors Of Premises, BP 04 02

Hired Auto And Non-Owned Auto Liability, BP 04 04

Additional Insured – Controlling Interest, BP 04 06

Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision –

Permits Or Authorizations Relating To Premises, BP 04 07

Additional Insured – Townhouse Associations, BP 04 08

Additional Insured – Mortgagee, Assignee Or Receiver, BP 04 09

Additional Insured – Owner Or Other Interests From Whom Land Has Been Leased, BP 04 10

Additional Insured – Co-Owner Of Insured Premises, BP 04 11

Limitation Of Coverage To Designated Premises, Project Or Operation, BP 04 12

Additional Insured – Engineers, Architects Or Surveyors, BP 04 13 

Spoilage Coverage, BP 04 15

Additional Insured – Lessor Of Leased Equipment, BP 04 16

Employment-Related Practices Exclusion, BP 04 17

Amendment – Liquor Liability Exclusion – Exception For Scheduled Premises Or Activities,

BP 04 19

Protective Safeguards, BP 04 30

Food Contamination, BP 04 31

Exclusion – Personal And Advertising Injury, BP 04 37

Medical Expenses – Exclusion, BP 04 38

Abuse Or Molestation Exclusion, BP 04 39

Coverage For Injury To Leased Workers, BP 04 40

Business Income Changes – Time Period, BP 04 41

Ordinance Or Law Coverage, BP 04 46

Additional Insured – Vendors, BP 04 47

Additional Insured – Designated Person Or Organization, BP 04 48

Additional Insured – Engineers, Architects Or Surveyors Not Engaged By The Named Insured,

BP 04 49

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

Additional Insured – Owners, Lessees or Contractors – With Additional Insured Requirement In

Construction Contract, BP 04 51 

Additional Insured – State or Governmental Agency Or Subdivision Or Political Subdivision –

Permits or Authorizations, BP 04 52

Water Back-Up And Sump Overflow, BP 04 53

Newly Acquired Organizations, BP 04 54

Broadened Coverage For Damage To Premises Rented To You, BP 04 55

Utility Services – Direct Damage, BP 04 56

Utility Services – Time Element, BP 04 57

Removal of Insurance-to-Value Provision, BP 04 83

Functional Building Valuation, BP 04 84

Functional Business Personal Property Valuaton, BP 04 85

Vacancy Changes, BP 04 86

Vacancy Permit, BP 04 87

Liquor Liability Coverage, BP 04 89

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

Pollution Exclusion Limited Exception for Designated Pollutants, BP 04 91

Total Pollution Exclusion BP 04 92

Total Pollution Exclusion With A Building Heating Equipment Exception And A Hostile Fire

Exception, BP 04 93 

Limited Pollution Liability Extension, BP 04 94

Waiver Of Transfer Of Rights Of Recovery Against Others To Us, BP 04 97

Employee Benefits Liability Coverage, BP 04 98

Extended Reporting Period For Employee Benefits Liability Coverage, BP 04 99

Disclosure Pursuant To Terrorism Risk Insurance Act, BP 05 15

Exclusion – Silica Or Silica-Related Dust, BP 05 17

Cap On Losses From Certified Acts Of Terrorism, BP 05 23

Exclusion Of Certified Acts Of Terrorism, BP 05 24

Exclusion Of Certified Acts Of Terrorism Involving Nuclear, Biological, Chemical Or Radiological

Terrorism; Cap On Covered Certified Acts Losses, BP 05 26

Limitations Of Coverage For Certified Acts Of Terrorism, BP 05 27

Exclusion Of Other Acts Of Terrorism Committed Outside The United States; Cap On Losses

From Certified Acts Of Terrorism, BP 05 38

Exclusion Of Certified Acts Of Terrorism And Exclusion Of Other Acts Of Terrorism Committed

Outside The United States, BP 05 41 

Exclusion Of Punitive Damages Related To A Certified Act Of Terrorism, BP 05 42

Computer Fraud And Funds Transfer Fraud, BP 05 47

Conditional Exclusion of Terrorism (Relating to Disposition of Federal Terrorism Risk Insurance

Act), BP 05 64 01 15

Conditional Exclusion Of Terrorism Involving Nuclear, Biological Or Chemical Terrorism

(Relating To Disposition Of Federal Terrorism Risk Insurance Act), BP 05 65

Conditional Limitation Of Coverage For Terrorism – Sub-Limit On Annual Aggregate Basis

(Relating To Disposition Of Federal Terrorism Risk Insurance Act), BP 05 66 01 15

Disclosure Of Premium Through End Of Year For Certified Acts Of Terrorism Coverage

(Pursuant To Terrorism Risk Insurance Act),BP 05 70

Disclosure Of Premium And Estimated Premium For Certified Acts Of Terrorism Coverage

(Pursuant To Terrorism Risk Insurance Act), BP 05 71 01 15

Changes – Limited Fungi Coverage, BP 05 76

Fungi Or Bacteria Exclusion (Liability), BP 05 77

Limited Fungi Or Bacteria Coverage (Liability), BP 05 78

Employment-Related Practices Liability Endorsement, BP 05 89

Loss Of Rental Value – Landlord As Designated Payee, BP 05 93

Electronic Commerce (E-Commerce), BP 05 94

Electronic Data Liability – Limited Coverage, BP 05 95

Electronic Data Liability – Broad Coverage, BP 05 96

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

Amendment Of Insured Contract Definition, BP 05 98

Contractors' Installation, Tools And Equipment Coverage, BP 07 01 09 19

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

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

Business Liability Coverage – Property Damage Liability Deductible (Per Occurrence Basis),

BP 07 04

Business Liability Coverage – Amendment Of Liability And Medical Expenses Limits Of

Insurance, BP 07 07

Pesticide Or Herbicide Applicator – Limited Pollution Coverage, BP 07 08

Motels, BP 07 10

Motel – Liability For Guests' Property In Safe Deposit Boxes, BP 07 11

Self-Storage Facilities, BP 07 12

Apartment Buildings, BP 07 75

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

Fine Arts Coverage, BP 07 77

Restaurants, BP 07 78

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

Residential Cleaning Services, BP 07 81

Photography, BP 07 83

Photography – Makeup And Hairstyling, BP 07 84

Photography – Amendment Of Coverage Territory For "Photographic Equipment" – Worldwide

Coverage, BP 07 87

Barber Shops And Hair Salons Professional Liability, BP 08 01

Funeral Directors Professional Liability, BP 08 02

Optical And Hearing Aid Establishments, BP 08 03

Printers Errors And Omissions Liability, BP 08 04

Veterinarians Professional Liability, BP 08 05

Pharmacists – Broad Coverage, BP 08 06

Pharmacists, BP 08 07

Beauty Salons Professional Liability, BP 08 09

Earthquake, BP 10 03

Named Perils, BP 10 09

Earthquake And Volcanic Eruption (Sub-Limit), BP 10 11

Flood Coverage, BP 10 79

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

Businessowners Policy Changes, BP 12 01

Fire Department Service Contract, BP 12 02

Loss Payable Clauses, BP 12 03

Additional Insured – Building Owner, BP 12 31

Identity Fraud Expense Coverage, BP 14 01

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

Theft Of Clients' Property Coverage, BP 14 03

Windstorm Or Hail Losses To Roof Surfacing – Actual Cash Value Loss Settlement, BP 14 04

Additional Insured – Grantor Of Franchise, BP 14 05

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

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

Exclusion – Exterior Insulation And Finish Systems, BP 14 08

Debris Removal Additional Insurance, BP 14 09

Brands And Labels, BP 14 10

Abuse Or Molestation Exclusion – Specified Services, BP 14 11

Limited Exclusion – Personal And Advertising Injury – Lawyers, BP 14 15

Snow Plow Products-Completed Operations Hazard Coverage, BP 14 16

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

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

Exclusion – Designated Work, BP 14 21

Exclusion – Products-Completed Operations Hazard, BP 14 22

Exclusion – Designated Products, BP 14 23

Discretionary Payroll Expense, BP 14 30

Increased Cost Of Loss And Related Expenses For Green Upgrades, BP 14 75

Exclusion Of Loss Due To By-Products Of Production Or Processing Operations (Rental

Properties), BP 14 78 

Specified Business Personal Property Temporarily Away From Premises, BP 14 79 

Higher Limits, BP 14 80 

Limitations On Coverage For Roof Surfacing, BP 14 81

Increase In Rebuilding Expenses Following Disaster (Additional Expense Coverage On Annual

Aggregate Basis), BP 14 82

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

Windstorm Or Hail Exclusion, BP 14 84

Communicable Disease Exclusion, BP 14 86

Additional Insured – Owners, Lessees Or Contractors – With Additional Insured Requirement

For Other Parties In Construction Contract, BP 14 87

Primary And Noncontributory – Other Insurance Condition, BP 14 88

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

Amendment Of Personal And Advertising Injury Definition, BP 14 91

Exclusion – Access Or Disclosure Of Confidential Or Personal Information And Data-Related

Liability – With Limited Bodily Injury Exception, BP 15 04

Exclusion – Access Or Disclosure Of Confidential Or Personal Information And Data-Related

Liability – Limited Bodily Injury Exception Not Included, BP 15 05

Exclusion – Access Or Disclosure Of Confidential Or Personal Information (Personal And

Advertising Injury Only), BP 15 06

Information Security Protection Endorsement, BP 15 07

Payment Card Industry (PCI) – Provide Coverage For Defense Expenses And Fines Or Penalties, BP 15 08

Payment Card Industry (PCI) – Provide Coverage For Defense Expenses, BP 15 09

Provide Coverage For Dishonest, Malicious Or Fraudulent Acts Committed By Employees,

BP 15 10

Exclusion – Unmanned Aircraft, BP 15 11

Limited Coverage For Designated Unmanned Aircraft, BP 15 12

Cannabis Property Exclusion BP 15 30

Cannabis Property Exclusion With Hemp Exception BP 15 31

Cannabis Liability Exclusion BP 15 32

Cannabis Liability Exclusion With Hemp Exception BP 15 33

Cannabis Liability Exclusion With Hemp and Lessors Risks Exceptions BP 15 34

Condominium Association Coverage, BP 17 01

Condominium Commercial Unit-Owners Coverage, BP 17 02

Condominium Commercial Unit-Owners Optional Coverages, BP 17 03

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

|

Windstorm Or Hail Percentage Deductibles, BP 03 12 01 10

Endorsement BP 03 12 contains a schedule for entering a windstorm or hail deductible, which applies to covered loss or damage caused directly or indirectly by windstorm or hail. The deductible applies to each occurrence of windstorm or hail. For covered property at premises identified in the schedule, no other deductible applies to windstorm or hail. The insured chooses a 1, 2, or 5 percent deductible. The endorsement explains how the deductible is calculated and offers an example of the deductible application. 

Comprehensive Business Liability Exclusion (All Hazards In Connection With Designated Premises Or Operations), BP 04 01 01 06

Under BP 04 01, coverage does not apply to bodily injury, property damage, or personal or advertising injury arising out of the ownership, maintenance, or use of the premises described in the schedule or any property located on the premises; operations on the premises necessary or incidental to the ownership, maintenance, or use of the premises; or goods or products manufactured or distributed from the premises.

Additional Insured – Managers Or Lessors Of Premises, BP 04 02 07 13

BP 04 02 includes as additional insureds designated persons or organizations for their liability arising out of the ownership, maintenance, or use of that part of the premises leased to the insured and shown in the schedule.

The following additional exclusions are included in this endorsement:

1. The insurance does not apply to any occurrence at the insured location after the named insured ceases to be a tenant in the premises described in the schedule.
2. The insurance does not apply to any structural alterations, new construction, or demolition operations performed by the persons or organizations designated in the schedule.

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the Declarations. 

Hired Auto And Non-Owned Auto Liability, BP 04 04 01 10

This endorsement applies to bodily injury or property damage arising out of the maintenance or use of a hired auto by the insured or the insured's employees in the course of business. The insurance also applies to bodily injury or property damage arising out of the use of a nonowned auto in the insured's business by any person. A specific premium charge must be shown in the Declarations for these coverage to apply.

The following are insureds under BP 04 04: the insured, any other person using a hired auto with the insured's permission, and any other person or organization for their liability because of acts omissions of an insured. For nonowned auto coverage, any partner or executive officer of the insured's or any of the insured's employees are insureds, but only while such nonowned auto is being used in the insured's business.

Definitions are provided for "auto business," "hired auto," and "nonowned auto." 

Additional Insured – Controlling Interest, BP 04 06 07 13

BP 04 06 adds persons or organizations, listed in the schedule, only for their liability arising out of their financial control of the named insured or premises they own, maintain, or control while the named insured occupies or leases those premises. The insurance does not apply to structural alterations, new construction, and demolition operations performed by or for that person or organization.

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the Declarations.

Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises, BP 04 07 07 13

BP 04 07 includes as additional insureds any state, governmental agency or subdivision, or political subdivision shown in the schedule. The insurance applies only when the state , governmental agency or subdivision, or political subdivision has issued a permit or authorization in connection with premises the name insured owns, rents, or controls and to which the insurance applies.

Only the following hazards are covered: the existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistaway openings, sidewalk vaults, street banners or decoration, or similar exposures; the construction, erection, or removal of elevators; or the ownership, maintenance, or use of any elevators covered by the insurance.

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the Declarations. 

Additional Insured – Townhouse Associations, BP 04 08 01 06

This endorsement adds each individual townhouse owner as an insured, but only with respect to liability as a member of the townhouse association and not with respect to liability arising out of the ownership, maintenance, use, or repair of the property to which the owner has title. 

Additional Insured – Mortgagee, Assignee Or Receiver, BP 04 09 07 13

Endorsement BP 04 09 includes as additional insureds persons listed in the schedule with respect to liability as mortgagee, assignee, or receiver and arising out of the ownership, maintenance, or use of premises by the named insured.

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the Declarations.

Additional Insured – Owner Or Other Interests From Whom Land Has Been Leased, BP 04 10 07 13

Endorsement BP 04 10 includes as additional insureds persons or organizations listed in the schedule with respect to liability arising out of the ownership, maintenance, or use of that part of the land leased to the named insured.

The following additional exclusions apply to this coverage: the insurance does not apply to any occurrence that takes place after the named insured ceases to lease the land and to structural alterations, new construction, or demolition operations performed by the additional insureds.

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the Declarations. 

Additional Insured – Co-Owner Of Insured Premises, BP 04 11 07 13

This endorsement includes as additional insureds the persons or organizations shown in the schedule with respect to liability as co-owner of the premises shown in the schedule.

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the Declarations. 

Limitation Of Coverage To Designated Premises, Project or Operation, BP 04 12 04 17

Endorsement BP 04 12 applies only to bodily injury, property damage, personal and advertising injury, and medical expenses arising out of the ownership, maintenance, or use of the premises shown in the schedule and the operations necessary or incidental to the premises or the project shown in the schedule. 

Additional Insured – Engineers, Architects Or Surveyors, BP 04 13 07 13

BP 04 13 includes as additional insureds any architect, engineer, or surveyor engaged by the named insured with respect to liability for bodily injury, property damage, or personal and advertising injury caused in whole or in part by the named insured's acts or omissions or the acts or omissions of those acting on the named insured's behalf in connection with the named insured's premises or in the performance of the named insured's ongoing operations.

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the Declarations. 

Spoilage Coverage, BP 04 15 07 13

Endorsement BP 04 15 adds perishable stock as covered property if the stock is owned by the named insured and used in the named insured's business or is owned by others and is in the named insured's care, custody, or control. Property located on buildings, in the open, or in vehicles is added as property not covered. Breakdown or contamination is added as a covered cause of loss.

The following exclusions are added: loss or damage caused by or resulting from the disconnection of any refrigerating, cooling, or humidity control system from the source of power; the deactivation of electrical power caused by the manipulation of any switch or other device used to control the flow of electrical power or current; the inability of an electrical utility company to provide sufficient power due to lack of power or governmental order; the inability of a power source at the described premises to provide sufficient power due to lack of generating capacity to meet demand; or breaking of any glass that is a permanent part of any refrigerating, cooling, or humidity control unit.

The deductible shown in the schedule is the only deductible that applies to this coverage. The value of perishable stock the insured has sold but not delivered is at selling price less discounts and expenses the insured otherwise would have had; other perishable stock is valued at actual cash value.

The endorsement provides an additional condition for refrigeration maintenance agreements. If breakdown or contamination is designated as a covered cause of loss and an refrigeration maintenance agreement applies, the insured must maintain a refrigeration maintenance or service agreement as described on the form. 

Additional Insured – Lessor Of Leased Equipment, BP 04 16 07 13

BP 04 16 includes as an additional insured designated persons or organizations leasing equipment to the insured only with respect to liability that involves contributory negligence and arises out of an occurrence that takes place during the term of the lease.

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the Declarations.

Employment-Related Practices Exclusion, BP 04 17 01 10

This endorsements adds an exclusion for bodily injury or personal or advertising injury to a person arising out of any refusal to employ that person, termination of that person's employment, or employment-related practices, policies, acts, or omissions directed at that person. The insurance also does not apply to bodily injury or personal or advertising injury to the spouse, child, parent, brother, or sister of that person as a consequence of bodily injury or personal or advertising injury to that person at whom any of the employment-related practices described is directed.

The 2010 revision added a statement that the exclusion applies whether the injury-causing event occurs before, during, or after employment of that person. The exclusion also applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. 

Amendment – Liquor Liability Exclusion – Exception For Scheduled Premises Or Activities, BP 04 19 07 13

Endorsement BP 04 19 excludes bodily injury or property damage for which any insured may be held liable by reason of causing or contributing to the intoxication of any person, including causing or contributing to the intoxication of a person when alcoholic beverages were permitted to brought and consumed on the insured's premises; when an insured furnishes alcoholic beverages to persons who are under the legal drinking age or under the influence of alcohol; or by any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages.

The exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training, or monitoring of others by an insured, or in providing or failing to provide transportation with respect to any person who may be under the influence of alcohol. The exclusion applies only to insureds that manufacture, sell, or distribute alcoholic beverages; serve or furnish alcoholic beverages for a charge whether such activity requires a license or is for the purpose of financial gain or livelihood; serves or furnishes alcoholic beverages without a charge if a license is required; or permits any person to bring any alcoholic beverages on your premises for consumption on the insured's premises.

An exception to the exclusion is made for bodily injury or property damage arising out of the selling, serving, or furnishing of alcoholic beverages at the activities described in the schedule or permitting any person to bring alcoholic beverages on the premises described in the schedule for consumption on the premises described in the schedule.

In the 2013 revision, ISO made changes to this endorsement that restrict and clarify coverage. Language was added to make clear that causing or contributing to the intoxication of any person includes intoxication caused by permitting alcoholic beverages to be brought on the insured's premises for consumption on the premises. The 2013 update also explicitly states that the liquor liability exclusion applies even if the claims allege the negligence or other wrongdoing in negligence in the supervision, hiring, employment, training, or monitoring of others by an insured, or in providing or failing to provide transportation with respect to any person who may be under the influence of alcohol. The revision also indicates that the exclusion applies if an insured permits any person to bring alcoholic beverages on the named insured's premises for consumption except for the premises described in the schedule. 

Protective Safeguards, BP 04 30 07 13

This endorsements adds a general condition to the policy requiring the insured to maintain the protective devices and services listed in the schedule. Six symbols are provided to identify the protective safeguards: P-1, automatic sprinkler system; P-2, automatic fire alarm; P-3, security service; P-4, service contract; P-5 (added with the 2013 revision), automatic commercial cooking exhaust and extinguishing system; and P-9, the protective safeguard system described in the schedule.

The endorsement adds an exclusion for fire, if, before the fire, the insured knew of any suspension or impairment in any protective safeguard listed in the schedule and failed to notify the insured or failed to maintain a listed protective safeguard in complete working order. 

Food Contamination, BP 04 31 07 13

The endorsement provides an additional coverage for food contamination. If the insured business is ordered closed by the Board of Health or any other governmental authority as the result of the discovery or suspicion of food contamination, the form pays the expense to clean equipment, the cost to replace contaminated or suspected to be contaminated food, medical tests of vaccinations for potentially infected employees, the loss of business income if operations are suspended, and additional advertising expenses incurred to restore the insured's reputation. A limit of $10,000 is provided, except for advertising expenses, which carry a $3,000 limit. Higher limits can be indicated in the schedule. Fines and penalties levied by the Board of Health or other governmental agencies are not covered. The virus or bacteria exclusion does not apply to this endorsement.

Endorsement BP 04 31 was revised in 2013 to indicate that covered expenses include necessary medical tests or vaccinations for the insured's employees who are potentially infected by food contamination.

Exclusion – Personal And Advertising Injury, BP 04 37 07 02

BP 04 37 excludes personal and advertising injury from the coverages section of the liability portion of the Businessowners Coverage form. 

Medical Expenses – Exclusion, BP 04 38 01 06

Endorsement BP 04 38 modifies the liability section of the Businessowners Coverage form by excluding the paragraph pertaining to medical expenses. A supplementary payments coverage extension is added for expenses incurred by the insured for first aid administered to others at the time of an accident for bodily injury to which the insurance applies. 

Abuse Or Molestation Exclusion, BP 04 39 07 02

This endorsement amends the Businessowners liability coverage by excluding bodily injury, property damage, or personal and advertising injury arising out of the actual or threatened abuse or molestation of any person while in the insured's care, custody, or control. Bodily injury, property damage, or personal and advertising injury arising out of the negligent employment, investigation, supervision, reporting to the proper authorities or failure to report, or retention of a person for whom any insured is or ever was legally responsible is also excluded. 

Coverage For Injury To Leased Workers, BP 04 40 07 02

BP 04 40 amends the Businessowners liability coverage portion with respect to the employer's liability exclusion to provide that the definition of "employee" does not include leased worker or temporary worker. 

Business Income Changes – Time Period, BP 04 41 07 13

This endorsement changes the coverage period for the civil authority additional coverage to up to four consecutive weeks. For the business income from dependent properties additional coverage, the coverage begins immediately after the time of the direct physical loss or damage at the described premises. In the 2013 revision, ISO broadened coverage by providing coverage with respect to secondary dependent properties, as well.

The definition of "period of restoration" is changed to immediately after the time of direct physical loss or damage caused by or resulting from a covered cause of loss at the described premises. 

Ordinance Or Law Coverage, BP 04 46 07 13

BP 04 46 requires the following two conditions to be met for coverage to be provided: (1) the ordinance or law regulates the demolition, construction, or repair of buildings or establishes zoning or land use requirements at the described premises and is in force at the time of loss; and (2) the building sustains covered direct physical damage, which, as a result, requires the insured to comply with the ordinance or law, or the building sustains covered and not covered direct physical damage, which, as a result of the damage in its entirety, requires the insured to comply with the ordinance or law. In the case of part of the damage being covered and part not being covered, only a portion of the loss will be paid. However, if damage that is not covered is the subject of the ordinance or law, there is no coverage even if the building also sustained covered damage. 

The coverage applies only to the minimum requirements of the ordinance or law. Coverages must be listed in the schedule, and the building to which the coverage applies must also be identified in the schedule. 

Enforcement or compliance with any ordinance or law requiring the demolition, repair, replacement, reconstruction, remodeling, or remediation of property due to contamination by pollutants or due to the presence, growth, proliferation, spread, or any activity of fungi or wet or dry rot is not covered. The enforcement or compliance of any ordinance or law requiring any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify, neutralize, or in way respond to or assess the effects of pollutants, fungi, or wet or dry rot is also not covered. 

Three coverages are provided: coverage for loss to the undamaged portion of the building, demolition cost coverage, and increased cost of construction. A business income and extra expense optional coverage is also available. 

Additional Insured – Vendors, BP 04 47 07 13

Endorsement BP 04 47 adds as additional insureds any persons or organizations (vendors) shown in the schedule only with respect to bodily injury or property damage arising out of the insured's products shown in the schedule that are distributed or sold in the regular course of the vendor's business.

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the declarations.

The insurance does not apply to the following: bodily injury or property damage for which the vendor is obligated to pay damages by reason of assumption of liability in a contract or endorsement; any express warranty not authorized by the named insured; physical or chemical changes to the product made intentionally by the vendor; repackaging unless unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts if instructed by the manufacturer and repackaged in the original container; failure to make such inspections, adjustments, tests, or servicing as the vendor agreed to make or normally undertakes; demonstration, installation, servicing, or repair operations except operations performed at the vendor's premises in connection with the sale of the product; products that have been labeled or relabeled after distribution or sale by the named insured or that have been used as a container, part, or ingredient of any other thing or substance by of for the vendor; bodily injury or property damage arising out of the sole negligence of vendor for its own acts or omissions or those or its employees or anyone else acting on its behalf. 

Additional Insured – Designated Person Or Organization, BP 04 48 07 13

BP 04 48 adds as additional insureds persons or organizations shown in the schedule only with respect to bodily injury, property damage, or personal and advertising injury caused in whole or in part by the named insured's acts or omission or the acts and omissions of those acting on the named insured's behalf in the performance of the insured's ongoing operations or in connection with premises the insured owns or rents. 

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the Declarations. 

Additional Insured – Engineers, Architects Or Surveyors Not Engaged By The Named Insured, BP 04 49 07 13

Endorsement BP 04 49 adds as additional insureds engineers, architects, or surveyors shown in the schedule only with respect to liability for bodily injury, property damage, or personal and advertising injury caused in whole or in part by the named insured's acts or omissions or the acts or omissions of those acting on the insured's behalf in the performance of the insured's ongoing operations performed by the insured or on the insured's behalf. Also added are engineers, architects, or surveyors while not engaged by the named insured but are contractually required to be added as additional insureds to the policy.

ISO added language to the additional insured endorsements in the 2013 revision in response to states enacting anti-indemnification laws, which prohibit provisions in construction contracts that require a party to indemnify another party against liability for such other party's own fault or negligence. The endorsements now state that insurance is provided only to the extent permitted by law. The endorsements also state that if coverage provided to the additional insured is required by agreement or contract, the insurance provided will not be broader than what is required by the agreement or contract. The most the insurer will pay is the amount required by the agreement or contract or the policy limits, whichever is less. The endorsement will not increase the applicable limits of insurance in the Declarations. 

Additional Insured – Owners, Lessees or Contractors – Scheduled Person or Organization,  BP 04 50 07 13

This endorsement provides additional insured liability coverage for policies covering contractors or subcontractors, but only for their ongoing operations performed for owners or lessees of buildings, or contractors by the insured contractor or subcontractor. The name and location to be covered must be shown in the schedule of the endorsement.

Additional Insured – Owners, Lessees or Contractors – With Additional Insured Requirement In Construction Contract, BP 04 51

This endorsement includes as additional insureds owners, lessees or contractors who have signed a contract or an agreement requiring them to be added as additional insureds on a policy covering a contractor or a subcontractor with respect to liability in connection with the insured contractor's ongoing operations performed for that additional insured. The additional insured does not need to be scheduled for coverage to apply; the coverage is provided based on the contractual requirement that they be added as additional insured for the specific job.

Additional Insured – State or Governmental Agency Or Subdivision Or Political Subdivision – Permits or Authorizations, BP 04 52 07 13

This endorsement provides coverage for certain premises hazards, or for state or federal governmental organizations issuing permits or authorizations to contractors, but does not apply to operations performed for such governmental organizations. The specific state or federal governmental organization issuing the permit or authorization must be shown in the schedule of the endorsement.

Water Back-Up And Sump Overflow, BP 04 53 07 13

BP 04 53 adds water back-up and sump overflow as causes of loss. The coverage pays for direct physical loss or damage to covered property caused by or resulting from water or waterborne material that backs up through or overflows or is otherwise discharged from a sewer or drain or that overflows or is otherwise discharged from a sump, sump pump, or related equipment. The coverage applies even if the overflow or discharge results from mechanical breakdown of the sump pump or related equipment.

Coverage does not apply to loss or damage resulting from an insured's failure to keep the sump pump or related equipment in proper working condition or to perform routine maintenance or repair necessary to keep a sewer or drain free from obstructions. In the 2013 revision, ISO updated the form to reinforce that coverage does not apply when sump pump failure is caused by or results from power failure unless the policy is endorsed to include power failure.

The form provides an annual aggregate limit of $5,000 per location. A different limit can be indicated in the schedule.

ISO added language in the 2013 revision to indicate that the term "drain" includes a roof drain and related fixtures. 

Newly Acquired Organizations, BP 04 54 01 06

Any organization the insured newly acquires or forms—other than a partnership, joint venture, or limited liability company—and over which the insured maintains ownership or majority interest qualifies as a named insured if no other insurance is available to that organization. The coverage is available only for ninety days after the organization is required or formed, or the end of the policy period, whichever is earlier.

Business liability coverage does not apply to bodily injury or property damage that occurred before the insured acquired or formed the organization and to personal advertising injury arising out of an offense committed before the insured acquired or formed the organization. 

Broadened Coverage For Damage To Premises Rented To You, BP 04 55 01 06

BP 04 55 broadens coverage by stating that the listed exclusions do not apply to property damage, where in the underlying Businessowners Coverage form, the exclusions do not apply to damage by fire. The endorsement provides a schedule for indicating the limit that will apply to this coverage. 

Utility Services – Direct Damage, BP 04 56 07 13

The form promises to pay for loss or damage to covered property described in the schedule caused by the interruption of service to the premises, which must result from direct physical loss or damage by a covered cause of loss to the utility services described in the endorsement. The utility service must be indicated in the schedule. Electronic data is not covered. 

A new category of utility service—wastewater removal property—was added with the 2013 revision. The other categories are communication supply property and power supply property. 

In the 2013 revision, ISO updated the form's language to amplify that transmission lines include distribution lines. 

Utility Services – Time Element, BP 04 57 07 13

BP 04 57 promises to pay for loss of business income or extra expense at the described premises in the schedule caused by the interruption of service to the premises, which must result from direct physical loss or damage by a covered cause of loss to the utility services described in the endorsement. The utility service must be indicated in the schedule. Electronic data is not covered. 

A new category of utility service—wastewater removal property—was added with the 2013 revision. The other categories are communication supply property and power supply property. 

In the 2013 revision, ISO updated the form's language to amplify that transmission lines include distribution lines. 

Functional Building Valuation, BP 04 84 07 13

The limit of insurance shown in the schedule of BP 04 84 is the only limit of insurance applicable to the building listed in the schedule. If the insured contracts for repair or replacement of the loss or damage to restore the building shown in the schedule for the same occupancy and use, the form pays the smallest of the following: the limit of insurance shown in the schedule; in the event of a total loss, the cost to replace the damaged building on the same site with a less costly building that is functionally equivalent (or on a different site if required by ordinance or law); in the event of a partial loss, the cost to repair or replace the damaged portion of the building with less costly material in the architectural style that existed, if available, and the amount actually spent to demolish and clear the site of the undamaged portions of the building; or the amount actually spent that is necessary to repair or replace the lost or damaged building with less costly material, if available, and to demolish and clear the site of undamaged parts of the building. 

The contract for repair or replacement must be made within 180 days of the damage unless the insured and insurer agree otherwise. If claim is not made within 180 days or the agreed upon timeframe, the insurer will pay the smallest of the limit of insurance, the market value of the damaged building, exclusive of land value, or the amount it would have cost to repair or replace the building with less costly material in the architectural style that existed, less allowance for depreciation or physical deterioration. 

The endorsement includes the following three coverages under ordinance or law: coverage for loss to the undamaged portion of the building, demolition cost coverage, and cost to reconstruct in compliance with an ordinance or law. 

Business income and extra expense optional coverage may be added via the schedule. 

Removal of Insurance-to-Value Provision, BP 04 83 01 10

This endorsement deletes requirements that the covered property be maintained at insurance to value with respect to the loss payment condition.  If this endorsement is attached to the policy, no insurance-to-value requirements apply to Covered Property.