1. Forms
NAICS 449

Furniture, Home Furnishings, Electronics, and Appliance Retailers

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)

37 forms
Form CodeTitleTypeWho needs it
BP 00 03Businessowners Coverage FormCoverageSmall and midsize "Main Street" accounts that meet ISO BOP eligibility: apartments, offices, retail, wholesale, processing and service risks, restaurants, contractors, hotels/motels, self-storage, light manufacturing and similar.
BP 00 04Micro-Businessowners Coverage FormCoverageVery small retail and service businesses eligible for the ISO Micro-Businessowners program.
BP 04 02Additional Insured - Managers Or Lessors Of PremisesEndorsementTenants whose lease requires the landlord or property manager to be an additional insured.
BP 04 04Hired Auto And Non-Owned Auto LiabilityEndorsementBOP accounts with no owned autos whose employees run errands, make deliveries or travel in personal or rented vehicles for the business.
BP 04 16Additional Insured - Lessor Of Leased EquipmentEndorsementBOP accounts that lease equipment (copiers, kitchen equipment, forklifts, medical devices) under agreements requiring the lessor to be an additional insured.
BP 04 30Protective SafeguardsEndorsementBOP accounts rated with sprinkler, central-station alarm, watchman or other fire protection credits, including restaurants with hood and duct suppression systems.
BP 04 46Ordinance Or Law CoverageEndorsementOwners of buildings insured on a BOP, especially older buildings and buildings that do not meet current codes; also tenants responsible for improvements.
BP 04 47Additional Insured - VendorsEndorsementManufacturers, wholesalers and distributors on a BOP whose retail or distributor customers require vendor additional insured status.
BP 04 48Additional Insured - Designated Person Or OrganizationEndorsementAny BOP account; most often requested by landlords, customers, lenders or contracts.
BP 04 53Water Back-Up And Sump OverflowEndorsementAny BOP account with building or business personal property values at the described premises.
BP 04 56Utility Services - Direct DamageEndorsementAny BOP account with building or business personal property values at the described premises.
BP 04 57Utility Services - Time ElementEndorsementAny BOP account that would lose income or incur extra expense during an off-premises utility outage.
BP 04 97Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation)ConditionAny BOP account; most often requested by landlords, customers, lenders or contracts.
BP 04 98Employee Benefits Liability CoverageEndorsementBOP accounts with employees enrolled in health, retirement or other benefit plans the employer administers.
BP 05 47Computer Fraud And Funds Transfer FraudEndorsementBOP accounts that bank online or move funds electronically and want limited computer and funds transfer fraud coverage.
BP 05 89Employment-Related Practices Liability EndorsementEndorsementSmall employers on a BOP that want EPL bundled with their package.
BP 05 95Electronic Data Liability - Limited Coverage Subject To Cyber Incident ExclusionEndorsementAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 06 49Burglary And Robbery Protective SafeguardsEndorsementJewelry, liquor, electronics, pharmacy and other theft-prone retail or service accounts given a burglar alarm credit or required to keep an alarm.
BP 10 03Earthquake And Volcanic Eruption EndorsementEndorsementBOP accounts in earthquake-exposed regions that want to buy back the earth movement exclusion.
BP 10 09Named PerilsEndorsementBOP accounts the underwriter will accept only on a named-perils basis, such as vacant-prone or poorly maintained buildings.
BP 10 79Flood CoverageEndorsementBOP accounts with flood exposure, including those needing limits above the NFIP maximum.
BP 12 03Loss Payable ProvisionsEndorsementBOP accounts with financed equipment, leased property, a contract-of-sale or a landlord who must be named on property claim payments.
BP 14 88Primary And Noncontributory - Other Insurance ConditionConditionAny BOP account; most often requested by landlords, customers, lenders or contracts.
BP 15 04Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or InformationExclusionAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 15 05Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability - Limited Bodily Injury Exception Not Included WithdrawnExclusionAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 15 06Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information (Personal And Advertising Injury Only)ExclusionAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 15 07Information Security Protection EndorsementEndorsementAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 15 60Cyber Incident ExclusionExclusionAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 15 83Additional Insured - Automatic Status When Required In Written Contract Or AgreementEndorsementAny BOP account; most often requested by landlords, customers, lenders or contracts.
BP 15 90Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation) - AutomaticConditionAny BOP account; most often requested by landlords, customers, lenders or contracts.
BP 17 02Condominium Commercial Unit-Owners CoverageEndorsementBusinesses that own a commercial condominium unit (office, retail or medical condo) and insure their unit and contents on a BOP.
BP 17 03Condominium Commercial Unit-Owners Optional CoveragesEndorsementOwners of commercial condominium units insured under BP 17 02.
BP 18 03Cyber Incident Liability ExclusionExclusionAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 18 05Electronic Data Liability - Limited Coverage Subject To Cyber Incident Exclusion, Deletion Of Bodily Injury ExceptionEndorsementAny BOP account that stores customer, employee or payment data or relies on computer systems.
BP 20 01Micro-Businessowners RetailEndorsementVery small retail stores written on the ISO Micro-Businessowners program.
BP 21 02Micro-Businessowners Employment-Related Practices ExclusionExclusionVery small businesses written on the ISO Micro-Businessowners program.
BP DS 06Flood Coverage ScheduleDeclarationBOP accounts buying flood coverage through the ISO Flood Coverage endorsement, either excess of NFIP limits or first dollar.

Commercial General Liability (ISO CG)

5 forms
Form CodeTitleTypeWho needs it
CG 20 03Additional Insured – Concessionaires Trading Under Your NameEndorsementDepartment stores, retailers, venues and other businesses that let concessionaires operate departments or stands under the host's trade name.
CG 20 13Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To PremisesEndorsementProperty owners and tenants that hold municipal permits for signs, awnings, sidewalk openings, banners or elevators on their premises.
CG 24 10Excess Provision – VendorsEndorsementRetailers, distributors and other product vendors that are added as additional insureds on their suppliers' policies.
CG 25 04Designated Location(s) General Aggregate LimitEndorsementMulti-location businesses (retail chains, restaurant groups, property owners, franchisees) whose leases or lenders require a per location aggregate.
CG 25 46Designated Location(s) Products-Completed Operations Aggregate LimitEndorsementMulti-location businesses with products or completed operations exposure at each location (restaurants, retail, service locations) that want location-specific products-completed operations limits.

Commercial Inland Marine (ISO CM)

5 forms
Form CodeTitleTypeWho needs it
CM 00 21Camera And Musical Instrument Dealers Coverage FormCoverageRetail and wholesale dealers in cameras, photographic equipment and musical instruments, including stores that repair or rent such equipment.
CM 00 28Signs Coverage FormCoverageAny business with outdoor or freestanding signs (retailers, restaurants, gas stations, auto dealers, shopping centers), and sign companies holding customers' signs.
CM 00 52Floor Plan Coverage FormCoverageDealers whose inventory is financed by floor plan lenders (appliance, furniture, electronics, equipment, boat and RV dealers) and the banks or finance companies that hold the security interest.
CM 99 01Additionally Covered PropertyEndorsementDealers insured on an ISO dealers or jewelers form who want their own business personal property and improvements covered in the same inland marine policy.
CM 99 02Reporting (Camera / Musical Instrument Dealers And Equipment Dealers Forms)EndorsementCamera, music and farm or construction equipment dealers with inventory that fluctuates during the year.

Commercial Property (ISO CP)

13 forms
Form CodeTitleTypeWho needs it
CP 00 60Leasehold Interest Coverage FormCoverageTenants holding long-term leases at below-market rent, or that paid lease bonuses or prepaid rent they would lose if the lease is cancelled after a fire or other covered loss.
CP 04 26Ordinance Or Law Coverage For Tenant's Interest In Improvements And Betterments (Tenant's Policy)EndorsementTenants that have invested heavily in build-outs they cannot remove: restaurants, medical and dental offices, retail stores, salons, fitness centers, labs.
CP 10 33Theft ExclusionExclusionLocations an underwriter will not cover for theft: high-crime areas, vacant or unprotected buildings, high-value or easily fenced stock without alarms (electronics, tools, metals).
CP 12 11Burglary And Robbery Protective SafeguardsEndorsementAccounts that received theft credits for alarms or guard service: jewelers, electronics, liquor and convenience stores, pharmacies, contractors' yards, warehouses with high-value stock.
CP 12 30Peak Season Limit Of InsuranceEndorsementBusinesses whose inventory swells at predictable times: retailers before holidays, toy and gift sellers, farm supply and garden centers, seasonal manufacturers and distributors.
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 14 01Scheduled Building Property – Tenant's PolicyEndorsementTenants whose leases make them responsible for plate glass, storefronts, HVAC units or other building fixtures and equipment: retailers, restaurants, offices in multi-tenant buildings.
CP 14 02Unscheduled Building Property – Tenant's PolicyEndorsementTenants with lease obligations for glass, fixtures or building equipment who prefer blanket limits: retail, restaurant and office tenants.
CP 14 40Outdoor SignsEndorsementBusinesses with valuable freestanding or building-mounted signs: retailers, restaurants, auto dealers, hotels, gas stations and convenience stores, shopping centers.
CP 14 70Building Glass – Tenant's PolicyEndorsementTenants with lease responsibility for storefront, display or plate glass: retail stores, restaurants, banks, showrooms.
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 03Business Income – Landlord As Additional Insured (Rental Value)EndorsementTenants whose leases require them to insure the landlord's rental income (rent loss) for the leased premises, typical of net leases and single-tenant buildings.

Commercial Inland Marine – ISO IH Series Forms

4 forms
Form CodeTitleTypeWho needs it
IH 00 67Signs Coverage FormCoverageBusinesses with valuable signs or street clocks, and sign companies holding customers' signs.
IH 00 88Installment Sales And Leased Property Coverage FormCoverageSellers on installment terms and equipment lessors: appliance, furniture, equipment and medical device dealers, equipment leasing companies, finance companies.
IH DS 67Signs DeclarationsDeclarationAccounts insured under the ISO Signs Coverage Form.
IH DS 88Installment Sales And Leased Property DeclarationsDeclarationAccounts insured under the ISO Installment Sales And Leased Property Coverage Form.