1. Forms
NAICS 311811

Retail Bakeries

Forms written for this kind of business. Core coverage forms and general endorsements apply to every account and are not listed here.

Businessowners (ISO BP)

3 forms
Form CodeTitleTypeWho needs it
BP 04 15Spoilage CoverageEndorsementRestaurants, grocery and convenience stores, florists, pharmacies and other businesses that keep perishable stock under refrigeration or humidity control.
BP 04 31Food ContaminationEndorsementRestaurants, caterers, food trucks with a premises, delis, bakeries and grocery stores preparing food.
BP 04 47Additional Insured - VendorsEndorsementManufacturers, wholesalers and distributors on a BOP whose retail or distributor customers require vendor additional insured status.

Commercial General Liability (ISO CG)

25 forms
Form CodeTitleTypeWho needs it
CG 00 37Products/Completed Operations Liability Coverage Form (Occurrence)CoverageManufacturers, distributors and contractors that buy products and completed operations coverage separately from premises/operations coverage.
CG 00 38Products/Completed Operations Liability Coverage Form (Claims-Made)CoverageManufacturers and other products risks whose carrier writes products liability claims-made.
CG 00 39Pollution Liability Coverage Form Designated SitesCoverageOwners and operators of sites with pollution exposure (tank farms, manufacturing plants, warehouses storing chemicals).
CG 00 40Pollution Liability Limited Coverage Form Designated SitesCoverageSite owners and operators needing basic pollution liability for designated locations.
CG 00 66Product Withdrawal Coverage FormCoverageFood, beverage, consumer product and component manufacturers exposed to recalls.
CG 04 24Coverage For Injury To Leased WorkersEndorsementBusinesses that use leased workers from a PEO or labor-leasing firm and need CGL protection against injury suits by those workers.
CG 04 36Limited Product Withdrawal Expense EndorsementEndorsementManufacturers, food and beverage producers and distributors with recall exposure but no stand-alone recall policy.
CG 20 15Additional Insured – VendorsEndorsementManufacturers, importers and distributors whose retailers or distributors require vendor additional insured status.
CG 20 28Additional Insured – Lessor Of Leased EquipmentEndorsementContractors, manufacturers and other businesses that lease or rent equipment (cranes, lifts, forklifts, machinery) under agreements requiring the lessor to be an additional insured.
CG 20 35Additional Insured – Grantor Of Licenses – Automatic Status When Required By LicensorEndorsementBusinesses that operate under licenses from brand owners, property owners or other licensors that require AI status.
CG 20 36Additional Insured – Grantor Of LicensesEndorsementLicensees whose license agreement names a specific licensor that must be covered.
CG 20 44Additional Insured – Vendors – Automatic Status When Required In AgreementEndorsementManufacturers and distributors with many retail or distribution partners that require vendor additional insured status.
CG 21 33Exclusion – Designated ProductsExclusionManufacturers, distributors and retailers with a specific product the carrier will not cover (for example a new product line, an imported product, or an e-cigarette or supplement line).
CG 21 41Exclusion – Intercompany Products SuitsExclusionAffiliated companies insured together where one supplies products to another (vertically integrated manufacturers, parent-subsidiary groups).
CG 21 49Total Pollution Exclusion EndorsementExclusionClasses the carrier treats as having significant pollution exposure: manufacturers, chemical users, waste handlers, fuel dealers, environmental and some contractor accounts.
CG 21 55Total Pollution Exclusion With A Hostile Fire ExceptionExclusionAccounts where the carrier wants an absolute pollution exclusion but will preserve hostile fire smoke claims.
CG 21 98Total Pollution Exclusion Endorsement (12 07)ExclusionAccounts where the carrier files this edition of the total pollution exclusion.
CG 21 99Total Pollution Exclusion For Designated Products Or WorkExclusionManufacturers or contractors with one product or type of work that carries pollutant exposure.
CG 35 08Exclusion – Generative Artificial Intelligence (Products/Completed Operations Coverage Part)ExclusionManufacturers and contractors insured under ISO products/completed operations policies whose products or designs involve generative AI tools.
CG 40 01Genetically Modified Organism ExclusionExclusionFarms, seed and agricultural suppliers, food manufacturers, biotech and life sciences risks.
CG 40 02Genetically Modified Organism Exclusion For Designated Operations Or ProductsExclusionAgricultural, food and life sciences accounts with a specific GMO-related product or operation.
CG 40 15Cannabis Exclusion With Hemp ExceptionExclusionRetailers, manufacturers and distributors that sell hemp or CBD products, and other insureds whose carrier excludes cannabis.
CG 40 32Exclusion – Perfluoroalkyl And Polyfluoroalkyl Substances (PFAS)ExclusionManufacturers, chemical distributors, water utilities, waste and recycling, firefighting foam users, textile, packaging and coatings businesses, and contractors handling PFAS-containing materials.
CG DS 05Products/Completed Operations Liability DeclarationsDeclarationInsureds with stand-alone products/completed operations coverage (CG 00 37 or CG 00 38).
CG DS 10Product Withdrawal DeclarationsDeclarationManufacturers insured on CG 00 66.

Commercial Property (ISO CP)

8 forms
Form CodeTitleTypeWho needs it
CP 04 11Protective SafeguardsEndorsementProperties rated with sprinkler, fire-alarm or hood-system credits: restaurants with commercial cooking (P-5), sprinklered warehouses, manufacturers, apartments and office buildings.
CP 04 39Functional Personal Property Valuation Other Than StockEndorsementBusinesses with obsolete or hard-to-replace equipment or furnishings where like-for-like replacement is impractical, such as older production machinery or legacy systems.
CP 04 40Spoilage CoverageEndorsementBusinesses holding temperature- or humidity-controlled stock: restaurants, grocery and convenience stores, florists, pharmacies, food processors and distributors, cold storage, labs.
CP 13 10Value Reporting FormEndorsementBusinesses whose inventory values swing widely or move among several locations: wholesalers and distributors, manufacturers, retailers with seasonal stock, agricultural processors.
CP 15 01Business Income From Dependent Properties Limited International CoverageEndorsementImporters, manufacturers and distributors that depend on foreign suppliers or contract manufacturers.
CP 15 02Extra Expense From Dependent Properties Limited International CoverageEndorsementBusinesses that would pay extra to replace an overseas supplier or contract manufacturer after a loss: importers, manufacturers, retailers with private-label sourcing.
CP 15 05Food Contamination (Business Interruption And Extra Expense)EndorsementRestaurants, bars, caterers, food trucks, delis, bakeries, grocery prepared-food operations and institutional food service.
CP 99 30Manufacturer's Selling Price (Finished "Stock" Only)EndorsementManufacturers holding finished goods inventory.

Equipment Breakdown Protection (ISO EB)

3 forms
Form CodeTitleTypeWho needs it
EB 00 20Equipment Breakdown Protection Coverage FormCoverageAny commercial account with boilers, HVAC, electrical, refrigeration, production or computer equipment whose breakdown would cause property damage or business interruption.
EB DS 07Equipment Breakdown Protection Coverage Form DeclarationsDeclarationAny commercial account with boilers, HVAC, electrical, refrigeration, production or computer equipment whose breakdown would cause property damage or business interruption.
EB DS 09Equipment Breakdown Protection Coverage Form Renewal EndorsementDeclarationAny commercial account with boilers, HVAC, electrical, refrigeration, production or computer equipment whose breakdown would cause property damage or business interruption.

Farm Liability (ISO Farm Program)

1 forms
Form CodeTitleTypeWho needs it
FL 04 02Limited Product Withdrawal Expense Coverage (Farm)EndorsementFarms and ranches insured under the ISO farm program, including the farm household.

Homeowners (ISO HO)

2 forms
Form CodeTitleTypeWho needs it
HO 07 51Additional Insured – VendorsEndorsementHome businesses that make or sell products through vendors.
HO 07 55Special Coverage – Spoilage Of Perishable StockEndorsementHome businesses holding perishable stock.

Commercial Inland Marine – ISO IH Series Forms

2 forms
Form CodeTitleTypeWho needs it
IH 93 01Spoilage And Loss Due To FDA Regulation Coverage (Processing Coverage)EndorsementFood, beverage and pharmaceutical companies whose goods are at outside processors.
IH 99 32Spoilage And Loss Due To FDA Regulation Coverage (Motor Truck Cargo Owners And Annual And Trip Transit Coverage)EndorsementShippers and private carriers moving perishable or FDA-regulated goods.

Management Protection (ISO MP)

23 forms
Form CodeTitleTypeWho needs it
MP 00 01Executive Liability Coverage FormCoveragePrivately held businesses whose directors and officers face claims from shareholders, lenders, competitors, customers or regulators.
MP 00 02Executive Liability And Entity Securities Liability Coverage FormCoveragePrivate companies with securities exposure (private placements, outside investors) that want entity securities coverage alongside D&O.
MP 00 03Common Policy ConditionsConditionAny organization insured on the ISO Management Protection program.
MP 00 07Fiduciary Liability Coverage FormCoverageEmployers that sponsor retirement, health or other employee benefit plans.
MP 00 08Executive Liability Side A Coverage FormCoverageOrganizations wanting dedicated personal-asset protection for directors and officers above or alongside traditional D&O.
MP 03 01Co-InsuranceEndorsementOrganizations insured on the ISO Management Protection program.
MP 03 02Co-InsuranceEndorsementOrganizations insured on the ISO Management Protection program.
MP 04 01Coverage Extension - Outside ServiceEndorsementOrganizations insured on the ISO Management Protection program that need this extension.
MP 04 02Coverage Extension - Acquisition Or Creation Of For-Profit OrganizationEndorsementOrganizations insured on the ISO Management Protection program that need this extension.
MP 04 03Coverage Extension - Merged, Sold, Spun-Off, Or Terminated PlansEndorsementOrganizations insured on the ISO Management Protection program that need this extension.
MP 04 04Coverage Extension - CAP PenaltiesEndorsementOrganizations insured on the ISO Management Protection program that need this extension.
MP 04 05Coverage Extension - Certain United Kingdom Fines Or PenaltiesEndorsementOrganizations insured on the ISO Management Protection program that need this extension.
MP 04 06Coverage Extension - Publication ServicesEndorsementOrganizations insured on the ISO Management Protection program that need this extension.
MP 04 07Coverage Extension - Spousal CoverageEndorsementOrganizations insured on the ISO Management Protection program that need this extension.
MP 04 08Coverage Extension - Wrongful Personal Injury ActsEndorsementOrganizations insured on the ISO Management Protection program that need this extension.
MP 21 01Exclusion - Designated Professional ServicesExclusionOrganizations insured on the ISO Management Protection program.
MP 21 04Exclusion - Specific LitigationExclusionOrganizations insured on the ISO Management Protection program.
MP 21 06Exclusion - Pending Or Prior LitigationExclusionOrganizations insured on the ISO Management Protection program.
MP 21 07Exclusion - Initial Public Offering (IPO)ExclusionOrganizations insured on the ISO Management Protection program.
MP 21 09Exclusion - Intellectual PropertyExclusionOrganizations insured on the ISO Management Protection program.
MP 21 28Exclusion - Abuse Or MolestationExclusionOrganizations insured on the ISO Management Protection program.
MP 28 01Extended Reporting PeriodEndorsementOrganizations whose Management Protection coverage is ending (sale, merger, dissolution, non-renewal).
MP 28 16Extended Reporting PeriodEndorsementOrganizations whose Management Protection coverage is ending.

Capital Assets Program – Output Policy (ISO OP)

1 forms
Form CodeTitleTypeWho needs it
OP 04 05Spoilage Coverage (Capital Assets Program)EndorsementOutput policy accounts with perishable stock.