1. Forms
NAICS 455

General Merchandise 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)

49 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 83Agreed Value - Removal Of Insurance-To-Value ProvisionEndorsementAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
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 10 89Space Weather ExclusionExclusionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 10 90Exclusion - WarExclusionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 10 91Space Weather Exclusion With Ensuing Cause Of Loss ExceptionExclusionBOP accounts in states that use the ensuing-fire version of the space weather exclusion (for example Georgia, Massachusetts and Oregon).
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 12 40Actual Cash Value With Depreciation Of Materials And SuppliesEndorsementBOP building and property accounts where actual cash value applies to a loss.
BP 12 41Actual Cash Value With Depreciation Of Materials And Supplies And Labor And ServicesEndorsementBOP building and property accounts where actual cash value applies to a loss.
BP 12 42Actual Cash Value With Depreciation Of Materials And Supplies, And Labor And Services, And Contractor Overhead And ProfitEndorsementBOP building and property accounts where actual cash value applies to a loss.
BP 12 43Additional Property Not CoveredEndorsementAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
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 18 41Exclusion - Generative Artificial IntelligenceExclusionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 18 42Exclusion - Generative Artificial Intelligence (Personal And Advertising Injury Only)ExclusionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 18 44Exclusion - Punitive DamagesExclusionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
BP 18 46Condition - Litigation Funding Mutual DisclosureConditionAny account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements.
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)

1 forms
Form CodeTitleTypeWho needs it
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.

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.

Cyber (ISO CY)

27 forms
Form CodeTitleTypeWho needs it
CY 00 01Commercial Cyber Insurance Policy WithdrawnCoverageAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 00 02Commercial Cyber Insurance PolicyCoverageAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 00 03Information Security Protection Cyber PolicyCoverageAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 00 10Information Security Protection Cyber Policy WithdrawnCoverageAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 00 11Financial Institutions Information Security Protection Cyber Policy WithdrawnCoverageAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 00 12Media And Information Security Protection Cyber Policy WithdrawnCoverageAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 00 13Media And Information Security Protection Cyber Policy WithdrawnCoverageAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 10 03Nonbinding ArbitrationConditionAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 10 04Binding ArbitrationConditionAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 01Additional Extended Reporting Period - ElectedEndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 05Agreed Value For Business IncomeEndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 09Amend Defense And Settlement Provision - SettlementConditionAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 10Provide Coverage For Dishonest, Malicious Or Fraudulent Acts Committed By Employees HistoricalEndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 13Computer And Funds Transfer Fraud EndorsementEndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 14Computer Fraud EndorsementEndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 15Telephone Toll Fraud EndorsementEndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 16Exclusion - Social MediaExclusionAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 17Exclusion - Software InfringementExclusionAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 28Payment Card Industry Liability CoverageEndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 29Payment Card Industry Liability Coverage - Defense Costs Coverage OnlyEndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 31Include Retroactive Date - First Party Insuring AgreementsEndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 36Amend Retention - Business Income And Extra Expense - Waiting Period (ISP)EndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 40Amend Replacement Or Restoration Of Electronic Data Insuring Agreement - Betterment And Bricking ExpensesEndorsementAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 46Exclusion - Fraudulent InstructionExclusionAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 83Exclusion - WarExclusionAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 84Condition - Litigation Funding Mutual DisclosureConditionAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.
CY 20 85Exclusion - Generative Artificial IntelligenceExclusionAny business that stores personal or payment data, depends on computer systems or transfers funds electronically.

Employment-Related Practices Liability (ISO EP)

22 forms
Form CodeTitleTypeWho needs it
EP 00 01Employment-Related Practices Liability Coverage FormCoverageAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 00 02Employment-Related Practices Liability Coverage Form (Separate Limits For Defense And Indemnity)CoverageAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 12Who Is An Insured - Restricted Coverage For EmployeesEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 13Who Is An Insured - Outside Director, Trustee, Officer Or MemberEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 14Counsel SelectionEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 15Named Employee(s) ExclusionExclusionAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 17Liability To Your Customers And ClientsEndorsementCustomer-facing employers such as restaurants, retailers, hotels, healthcare and service businesses.
EP 01 18Liability To Independent ContractorsEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 20Liability To Non-EmployeesEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 21Nuclear Energy Liability Exclusion Endorsement (Broad Form)ExclusionAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 33Amendment Of Consent To SettleEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 34Amendment Of Coverage Territory - Worldwide CoverageEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 35Amendment Of Coverage Territory - Worldwide Coverage Except For Specified CountriesEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 36Amendment Of Coverage Territory - Additional Scheduled CountriesEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 01 37Malicious Prosecution CoverageEndorsementRetailers, restaurants, banks and other employers that refer suspected employee theft to law enforcement.
EP 03 01Co-Payment Liability InsuranceEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 03 02Deductible And Co-Payment Liability InsuranceEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 20 01Additional Insured - Designated Person Or OrganizationEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 20 04Additional Insured - Independent Contractor(s)EndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 21 01Exclusion - Designated Ongoing Operation(s)ExclusionAny employer buying stand-alone employment practices liability on the ISO EP program.
EP 28 01Extended Reporting Period EndorsementEndorsementAny employer buying stand-alone employment practices liability on the ISO EP program.
EP DS 01Employment-Related Practices Liability DeclarationsDeclarationAny employer buying stand-alone employment practices liability on the ISO EP program.

Commercial Inland Marine – ISO IH Series Forms

1 forms
Form CodeTitleTypeWho needs it
IH 00 67Signs Coverage FormCoverageBusinesses with valuable signs or street clocks, and sign companies holding customers' signs.