NAICS 531
Real Estate
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)
44 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| BP 00 03 | Businessowners Coverage Form | Coverage | Small 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 04 09 | Additional Insured - Mortgagee, Assignee Or Receiver | Endorsement | Building owners on a BOP whose mortgage lender requires additional insured status on the liability coverage. |
| BP 04 12 | Limitation Of Coverage To Designated Premises, Project Or Operation | Endorsement | BOP accounts the underwriter limits to a scheduled premises or project, such as lessor-risk or single-location risks. |
| BP 04 30 | Protective Safeguards | Endorsement | BOP accounts rated with sprinkler, central-station alarm, watchman or other fire protection credits, including restaurants with hood and duct suppression systems. |
| BP 04 46 | Ordinance Or Law Coverage | Endorsement | Owners of buildings insured on a BOP, especially older buildings and buildings that do not meet current codes; also tenants responsible for improvements. |
| BP 04 53 | Water Back-Up And Sump Overflow | Endorsement | Any BOP account with building or business personal property values at the described premises. |
| BP 04 56 | Utility Services - Direct Damage | Endorsement | Any BOP account with building or business personal property values at the described premises. |
| BP 04 83 | Agreed Value - Removal Of Insurance-To-Value Provision | Endorsement | Any account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements. |
| BP 04 97 | Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation) | Condition | Any BOP account; most often requested by landlords, customers, lenders or contracts. |
| BP 05 47 | Computer Fraud And Funds Transfer Fraud | Endorsement | BOP accounts that bank online or move funds electronically and want limited computer and funds transfer fraud coverage. |
| BP 05 95 | Electronic Data Liability - Limited Coverage Subject To Cyber Incident Exclusion | Endorsement | Any BOP account that stores customer, employee or payment data or relies on computer systems. |
| BP 07 12 | Self-Storage Facilities | Endorsement | Self-storage and mini-warehouse operators eligible for the ISO BOP (buildings up to 2 stories, no cold or industrial storage). |
| BP 07 75 | Apartment Buildings | Endorsement | Owners and lessors of apartment buildings, including garden apartments, written on the ISO BOP. |
| BP 10 03 | Earthquake And Volcanic Eruption Endorsement | Endorsement | BOP accounts in earthquake-exposed regions that want to buy back the earth movement exclusion. |
| BP 10 09 | Named Perils | Endorsement | BOP accounts the underwriter will accept only on a named-perils basis, such as vacant-prone or poorly maintained buildings. |
| BP 10 79 | Flood Coverage | Endorsement | BOP accounts with flood exposure, including those needing limits above the NFIP maximum. |
| BP 10 89 | Space Weather Exclusion | Exclusion | Any account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements. |
| BP 10 90 | Exclusion - War | Exclusion | Any account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements. |
| BP 10 91 | Space Weather Exclusion With Ensuing Cause Of Loss Exception | Exclusion | BOP accounts in states that use the ensuing-fire version of the space weather exclusion (for example Georgia, Massachusetts and Oregon). |
| BP 12 03 | Loss Payable Provisions | Endorsement | BOP accounts with financed equipment, leased property, a contract-of-sale or a landlord who must be named on property claim payments. |
| BP 12 40 | Actual Cash Value With Depreciation Of Materials And Supplies | Endorsement | BOP building and property accounts where actual cash value applies to a loss. |
| BP 12 41 | Actual Cash Value With Depreciation Of Materials And Supplies And Labor And Services | Endorsement | BOP building and property accounts where actual cash value applies to a loss. |
| BP 12 42 | Actual Cash Value With Depreciation Of Materials And Supplies, And Labor And Services, And Contractor Overhead And Profit | Endorsement | BOP building and property accounts where actual cash value applies to a loss. |
| BP 12 43 | Additional Property Not Covered | Endorsement | Any account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements. |
| BP 14 89 | Liquor Liability Coverage - Bring Your Own Alcohol Establishments | Endorsement | BYOB restaurants, cafes and event spaces that permit customers to bring alcohol for on-premises consumption. |
| BP 15 04 | Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information | Exclusion | Any BOP account that stores customer, employee or payment data or relies on computer systems. |
| BP 15 05 | Exclusion - Access Or Disclosure Of Confidential Or Personal Information And Data-Related Liability - Limited Bodily Injury Exception Not Included Withdrawn | Exclusion | Any BOP account that stores customer, employee or payment data or relies on computer systems. |
| BP 15 06 | Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information (Personal And Advertising Injury Only) | Exclusion | Any BOP account that stores customer, employee or payment data or relies on computer systems. |
| BP 15 07 | Information Security Protection Endorsement | Endorsement | Any BOP account that stores customer, employee or payment data or relies on computer systems. |
| BP 15 60 | Cyber Incident Exclusion | Exclusion | Any BOP account that stores customer, employee or payment data or relies on computer systems. |
| BP 15 90 | Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation) - Automatic | Condition | Any BOP account; most often requested by landlords, customers, lenders or contracts. |
| BP 17 01 | Condominium Association Coverage | Endorsement | Residential and commercial condominium associations insuring the building and common elements on a BOP. |
| BP 17 02 | Condominium Commercial Unit-Owners Coverage | Endorsement | Businesses that own a commercial condominium unit (office, retail or medical condo) and insure their unit and contents on a BOP. |
| BP 17 03 | Condominium Commercial Unit-Owners Optional Coverages | Endorsement | Owners of commercial condominium units insured under BP 17 02. |
| BP 18 03 | Cyber Incident Liability Exclusion | Exclusion | Any BOP account that stores customer, employee or payment data or relies on computer systems. |
| BP 18 05 | Electronic Data Liability - Limited Coverage Subject To Cyber Incident Exclusion, Deletion Of Bodily Injury Exception | Endorsement | Any BOP account that stores customer, employee or payment data or relies on computer systems. |
| BP 18 41 | Exclusion - Generative Artificial Intelligence | Exclusion | Any account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements. |
| BP 18 42 | Exclusion - Generative Artificial Intelligence (Personal And Advertising Injury Only) | Exclusion | Any account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements. |
| BP 18 44 | Exclusion - Punitive Damages | Exclusion | Any account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements. |
| BP 18 45 | Exclusion - Assault Or Battery | Exclusion | Bars, restaurants, hotels and habitational risks where altercations on premises are a known exposure. |
| BP 18 46 | Condition - Litigation Funding Mutual Disclosure | Condition | Any account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements. |
| BP 18 47 | Exclusion - Assault Or Battery With Exception For Reasonable Force | Exclusion | Bars, restaurants, hotels and habitational risks with altercation exposure. |
| BP DS 02 | Apartment Buildings Supplemental Schedule | Declaration | Owners and lessors of apartment buildings written on a BOP with the Apartment Buildings endorsement. |
| BP DS 06 | Flood Coverage Schedule | Declaration | BOP accounts buying flood coverage through the ISO Flood Coverage endorsement, either excess of NFIP limits or first dollar. |
Commercial General Liability (ISO CG)
20 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CG 20 04 | Additional Insured – Condominium Unit Owners | Endorsement | Residential and commercial condominium associations insured on a CGL. |
| CG 20 13 | Additional Insured – State Or Governmental Agency Or Subdivision Or Political Subdivision – Permits Or Authorizations Relating To Premises | Endorsement | Property owners and tenants that hold municipal permits for signs, awnings, sidewalk openings, banners or elevators on their premises. |
| CG 20 18 | Additional Insured – Mortgagee, Assignee Or Receiver | Endorsement | Property owners and real estate investors whose mortgage lenders require additional insured status on the owner's CGL. |
| CG 20 23 | Additional Insured – Executors, Administrators, Trustees Or Beneficiaries | Endorsement | Estates and living trusts that own rental or commercial property insured on a CGL. |
| CG 20 27 | Additional Insured – Co-Owner Of Insured Premises | Endorsement | Property owners who share ownership of a building or land with another person or entity that is not a named insured. |
| CG 20 31 | Additional Insured – Engineers, Architects Or Surveyors (OCP Coverage Part) | Endorsement | Project owners, developers and contractors buying Owners and Contractors Protective (OCP) policies whose design professionals require additional insured status. |
| CG 21 00 | Exclusion – All Hazards In Connection With Designated Premises | Exclusion | Insureds with a premises the carrier will not cover (a vacant building, a high-hazard property, a location insured elsewhere). |
| CG 21 04 | Exclusion – Products-Completed Operations Hazard | Exclusion | Accounts with no meaningful products or completed operations exposure (for example vacant land, some lessor's risk and office-only accounts) or where the carrier will write premises/operations only. |
| CG 21 44 | Limitation Of Coverage To Designated Premises, Project Or Operation | Exclusion | Accounts written for a single location, project or described operation, such as single-project contractors, special events, and businesses the underwriter wants to confine to their declared class. |
| CG 21 50 | Amendment Of Liquor Liability Exclusion | Endorsement | Restaurants, venues, event spaces and other businesses where alcohol is present, including BYOB establishments. |
| CG 21 65 | Total Pollution Exclusion With A Building Heating, Cooling And Dehumidifying Equipment Exception And A Hostile Fire Exception | Exclusion | Building owners, landlords, habitational risks and tenants where the carrier wants a total pollution exclusion but must keep carbon monoxide-type building equipment claims. |
| CG 22 29 | Exclusion – Property Entrusted | Exclusion | Security and patrol agencies, cold storage locker and mini-warehouse operators. |
| CG 22 60 | Limitation Of Coverage – Real Estate Operations | Endorsement | Real estate agencies and brokerages. |
| CG 22 70 | Real Estate Property Managed | Endorsement | Property management firms and real estate agents who manage property for owners. |
| CG 23 01 | Exclusion – Real Estate Agents Or Brokers Errors Or Omissions | Exclusion | Real estate brokerages, agents and property management firms with brokerage operations. |
| CG 24 25 | Limited Fungi Or Bacteria Coverage | Endorsement | Habitational, hospitality and contractor accounts that want some mold or bacteria coverage under the CGL. |
| CG 25 04 | Designated Location(s) General Aggregate Limit | Endorsement | Multi-location businesses (retail chains, restaurant groups, property owners, franchisees) whose leases or lenders require a per location aggregate. |
| CG 40 16 | Cannabis Exclusion With Hemp And Lessors Risk Exceptions | Exclusion | Landlords and real estate owners that lease space to tenants who may be in the cannabis business. |
| CG 40 49 | Exclusion – Human Trafficking | Exclusion | Hotels and motels, truck stops, massage and spa businesses, staffing and labor contractors, apartment owners and other businesses where trafficking-related suits have been brought. |
| CG 40 51 | Exclusion – Assault Or Battery | Exclusion | Bars, nightclubs, restaurants with late hours, apartment and hotel owners, security firms, event venues, convenience stores and other accounts with fight or violent-crime exposure. |
Commercial Inland Marine (ISO CM)
1 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CM 00 67 | Valuable Papers And Records Coverage Form | Coverage | Professional offices and organizations whose records are costly to reconstruct: law, accounting, architecture and engineering firms, title and real estate offices, libraries and archives, medical offices. |
Commercial Property (ISO CP)
24 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CP 00 17 | Condominium Association Coverage Form | Coverage | Condominium associations (residential or commercial) and homeowners' or property owners' associations that must insure the common building under the condominium declaration or bylaws. |
| CP 00 18 | Condominium Commercial Unit-Owners Coverage Form | Coverage | Businesses that own a commercial condominium unit (office, medical, retail or warehouse condominiums) and need contents and unit-improvement coverage alongside the association's master policy. |
| CP 00 20 | Builders Risk Coverage Form | Coverage | Owners, developers and general contractors with buildings under construction: new commercial and residential construction, additions and major renovations. |
| CP 00 40 | Legal Liability Coverage Form | Coverage | Tenants and bailees legally responsible for a landlord's building or customers' property: tenants of single-occupant buildings, restaurants, warehouses, repair shops and storage operations. |
| CP 00 60 | Leasehold Interest Coverage Form | Coverage | Tenants 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 00 99 | Standard Property Policy | Coverage | Hard-to-place property: vacant or unoccupied buildings, buildings in poor condition or under foreclosure, high-hazard occupancies and residual-market risks. |
| CP 04 11 | Protective Safeguards | Endorsement | Properties rated with sprinkler, fire-alarm or hood-system credits: restaurants with commercial cooking (P-5), sprinklered warehouses, manufacturers, apartments and office buildings. |
| CP 04 18 | Condominium Commercial Unit-Owners Optional Coverages | Endorsement | Owners of commercial condominium units: medical and professional offices, retail and light-industrial condo units. |
| CP 04 38 | Functional Building Valuation | Endorsement | Owners of older, historic or architecturally ornate buildings (churches, old mills, downtown masonry buildings, converted warehouses) whose replacement cost far exceeds market value or what the owner would rebuild. |
| CP 04 50 | Vacancy Permit | Endorsement | Building owners with a vacant or soon-to-be-vacant building: between tenants, awaiting sale, during renovation, seasonal properties. |
| CP 04 60 | Vacancy Changes | Endorsement | Owners or general lessees of multi-tenant buildings (strip centers, office buildings, industrial parks) with partial occupancy. |
| CP 10 33 | Theft Exclusion | Exclusion | Locations 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 10 34 | Exclusion Of Loss Due To By-Products Of Production Or Processing Operations (Rental Properties) | Exclusion | Landlords and lessors of residential or commercial rental units, especially where tenants could run production or processing operations on the premises. |
| CP 10 54 | Windstorm Or Hail Exclusion | Exclusion | Coastal and high-wind-zone properties where wind is written separately through a state windstorm pool or wind-only market (TX, FL, LA, MS, AL, SC, NC coastal areas). |
| CP 10 55 | Vandalism Exclusion | Exclusion | Vacant, unoccupied or poorly secured buildings and locations with high vandalism exposure. |
| CP 10 56 | Sprinkler Leakage Exclusion | Exclusion | Sprinklered buildings where the insured or underwriter chooses to exclude sprinkler leakage, often vacant or unheated buildings with freeze exposure. |
| CP 11 99 | Builders Risk Changes – Standard Property Policy | Endorsement | Hard-to-place construction projects written on the Standard Property Policy, such as distressed or stalled projects and small speculative builds. |
| CP 12 19 | Named Insured – Building Owner | Endorsement | Tenants whose lease requires them to insure the landlord's building (net or triple-net leases, single-tenant buildings, ground leases). |
| CP 14 01 | Scheduled Building Property – Tenant's Policy | Endorsement | Tenants 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 02 | Unscheduled Building Property – Tenant's Policy | Endorsement | Tenants with lease obligations for glass, fixtures or building equipment who prefer blanket limits: retail, restaurant and office tenants. |
| CP 14 30 | Outdoor Trees, Shrubs And Plants | Endorsement | Properties with valuable landscaping: hotels and resorts, office parks, golf facilities, corporate campuses, upscale retail centers, condominium associations, cemeteries. |
| CP 14 40 | Outdoor Signs | Endorsement | Businesses with valuable freestanding or building-mounted signs: retailers, restaurants, auto dealers, hotels, gas stations and convenience stores, shopping centers. |
| CP 15 03 | Business Income – Landlord As Additional Insured (Rental Value) | Endorsement | Tenants 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. |
| CP DS 05 | Legal Liability Coverage Schedule | Declaration | Accounts written with the ISO Legal Liability Coverage Form, such as tenants and bailees insuring liability for others' property. |
Commercial Crime and Fidelity (ISO CR)
2 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CR 04 01 | Employee Theft Of Clients' Property | Endorsement | Service businesses whose employees work at client premises or handle client money or property, such as janitorial, staffing, IT services, bookkeeping, home care and security guard firms. |
| CR 25 02 | Include Designated Agents As Employees | Endorsement | Associations and organizations that let outside agents such as property managers, bookkeepers or collection agents handle their money. |
Commercial Liability Umbrella (ISO CU)
8 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CU 04 12 | Condominiums, Co-ops, Associations – Directors And Officers Liability Coverage | Coverage | Condominium, cooperative and homeowners associations. |
| CU 21 11 | Limitation Of Coverage To Designated Premises, Project Or Operation | Endorsement | Contractors and other businesses whose contracts require umbrella or excess limits for project owners, general contractors or other additional insureds. |
| CU 24 03 | Waiver Of Transfer Of Rights Of Recovery Against Others To Us (Waiver Of Subrogation) | Endorsement | Contractors and other businesses whose contracts require umbrella or excess limits for project owners, general contractors or other additional insureds. |
| CU 24 50 | Limited Coverage For Designated Unmanned Aircraft | Endorsement | Businesses that operate drones in their work: contractors, surveyors, agriculture, real estate and media. |
| CU 24 52 | Limited Coverage For Designated Unmanned Aircraft (Coverage B Only) | Endorsement | Businesses that operate drones. |
| CU 24 77 | Noncontributory And Order Of Response – Other Insurance Condition | Condition | Contractors and other businesses whose contracts require umbrella or excess limits for project owners, general contractors or other additional insureds. |
| CU 24 78 | Noncontributory – Other Insurance Condition | Condition | Contractors and other businesses whose contracts require umbrella or excess limits for project owners, general contractors or other additional insureds. |
| CU 34 68 | Exclusion – Assault Or Battery | Exclusion | Hospitality, nightlife, habitational, security and event businesses with assault and battery exposure. |
Commercial Excess Liability (ISO CX)
3 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CX 21 10 | Limitation Of Coverage To Designated Premises, Project Or Operation | Endorsement | Contractors, vendors and tenants whose contracts require excess limits that are primary and noncontributory for additional insureds. |
| CX 24 32 | Noncontributory And Order Of Response – Other Insurance Condition | Condition | Contractors, vendors and tenants whose contracts require excess limits that are primary and noncontributory for additional insureds. |
| CX 24 33 | Noncontributory – Other Insurance Condition | Condition | Contractors, vendors and tenants whose contracts require excess limits that are primary and noncontributory for additional insureds. |
Cyber (ISO CY)
27 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CY 00 01 | Commercial Cyber Insurance Policy Withdrawn | Coverage | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 00 02 | Commercial Cyber Insurance Policy | Coverage | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 00 03 | Information Security Protection Cyber Policy | Coverage | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 00 10 | Information Security Protection Cyber Policy Withdrawn | Coverage | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 00 11 | Financial Institutions Information Security Protection Cyber Policy Withdrawn | Coverage | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 00 12 | Media And Information Security Protection Cyber Policy Withdrawn | Coverage | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 00 13 | Media And Information Security Protection Cyber Policy Withdrawn | Coverage | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 10 03 | Nonbinding Arbitration | Condition | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 10 04 | Binding Arbitration | Condition | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 01 | Additional Extended Reporting Period - Elected | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 05 | Agreed Value For Business Income | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 09 | Amend Defense And Settlement Provision - Settlement | Condition | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 10 | Provide Coverage For Dishonest, Malicious Or Fraudulent Acts Committed By Employees Historical | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 13 | Computer And Funds Transfer Fraud Endorsement | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 14 | Computer Fraud Endorsement | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 15 | Telephone Toll Fraud Endorsement | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 16 | Exclusion - Social Media | Exclusion | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 17 | Exclusion - Software Infringement | Exclusion | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 28 | Payment Card Industry Liability Coverage | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 29 | Payment Card Industry Liability Coverage - Defense Costs Coverage Only | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 31 | Include Retroactive Date - First Party Insuring Agreements | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 36 | Amend Retention - Business Income And Extra Expense - Waiting Period (ISP) | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 40 | Amend Replacement Or Restoration Of Electronic Data Insuring Agreement - Betterment And Bricking Expenses | Endorsement | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 46 | Exclusion - Fraudulent Instruction | Exclusion | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 83 | Exclusion - War | Exclusion | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 84 | Condition - Litigation Funding Mutual Disclosure | Condition | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
| CY 20 85 | Exclusion - Generative Artificial Intelligence | Exclusion | Any business that stores personal or payment data, depends on computer systems or transfers funds electronically. |
Dwelling Personal Liability and Personal Umbrella (ISO DL)
6 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| DL 24 01 | Personal Liability | Coverage | Landlords and other dwelling-program insureds who need personal or premises liability for one- to four-family dwellings. |
| DL 24 04 | Additional Residence Rented To Others 1, 2, 3 Or 4 Families | Endorsement | Landlords of one- to four-family rental dwellings. |
| DL 24 11 | Premises Liability (Non-Owner Occupied Dwelling) | Endorsement | Owners of non-owner-occupied one- to four-family rental dwellings. |
| DL 24 41 | Lead Poisoning Exclusion | Endorsement | Massachusetts landlords of one- to four-family dwellings. |
| DL 24 42 | Coverage For Lead Poisoning | Endorsement | Massachusetts landlords of one- to four-family dwellings. |
| DL 98 16 | Personal Umbrella Liability Policy Exclusion – All Hazards In Connection With Designated Premises Endorsement | Endorsement | Umbrella insureds with rental or other premises the underwriter excludes. |
Dwelling Property (ISO DP)
3 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| DP 04 63 | Loss Assessment Property Coverage | Endorsement | Dwelling-policy insureds who belong to a homeowners or condominium association. |
| DP 04 73 | Limited Theft Coverage | Endorsement | Individual and small-business landlords who own one- to four-family rental dwellings. |
| DP 17 66 | Unit-Owners Coverage | Endorsement | Owners of condominium units, often rented to others, insured on the dwelling program. |
Equipment Breakdown Protection (ISO EB)
3 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| EB 00 20 | Equipment Breakdown Protection Coverage Form | Coverage | Any commercial account with boilers, HVAC, electrical, refrigeration, production or computer equipment whose breakdown would cause property damage or business interruption. |
| EB DS 07 | Equipment Breakdown Protection Coverage Form Declarations | Declaration | Any commercial account with boilers, HVAC, electrical, refrigeration, production or computer equipment whose breakdown would cause property damage or business interruption. |
| EB DS 09 | Equipment Breakdown Protection Coverage Form Renewal Endorsement | Declaration | Any commercial account with boilers, HVAC, electrical, refrigeration, production or computer equipment whose breakdown would cause property damage or business interruption. |
Homeowners (ISO HO)
4 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| HO 04 40 | Structures Rented To Others – Residence Premises | Endorsement | Owner-occupants who rent an other structure on the residence premises to others for dwelling purposes. |
| HO 05 46 | Supplemental Landlord's Furnishings Coverage | Endorsement | Owner-occupants who rent a furnished apartment on the residence premises. |
| HO 17 33 | Unit-Owners Rental To Others | Endorsement | Condominium unit owners who rent their unit to others. |
| HO 24 70 | Additional Residence Rented To Others 1, 2, 3 Or 4 Families | Endorsement | Homeowners who own one- to four-family dwellings rented to others at other locations. |
Commercial Inland Marine – ISO IH Series Forms
4 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| IH 00 70 | Builders Risk Coverage Form | Coverage | Owners, developers and general contractors building new structures or major additions. |
| IH 00 77 | Radio And Television Towers And Equipment Coverage Form | Coverage | Owners and operators of radio, television, cellular and other communication towers, and broadcasters. |
| IH 99 14 | Mortgageholders | Endorsement | Owners and developers financing construction, towers or tanks insured on IH forms, and their lenders. |
| IH DS 77 | Radio And Television Towers And Equipment Declarations | Declaration | Accounts insured under the ISO Radio And Television Towers And Equipment Coverage Form. |
Interline / Common Policy Forms (ISO IL)
2 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| IL 04 15 | Protective Safeguards | Endorsement | Farm property accounts with sprinkler, alarm or watch-service credits, and commercial property policies still using the interline form. |
| IL 09 03 | Mine Subsidence Schedule | Declaration | Commercial and farm properties in states with mine subsidence insurance programs (Kentucky, for example) located over or near underground mines. |
Miscellaneous Professional Liability (ISO MI)
1 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| MI 00 01 | Miscellaneous Professional Liability Coverage Form | Coverage | Consultants, technology and business service firms, real estate and property managers, and other professional or quasi-professional service businesses needing errors and omissions coverage. |
Management Protection (ISO MP)
23 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| MP 00 01 | Executive Liability Coverage Form | Coverage | Privately held businesses whose directors and officers face claims from shareholders, lenders, competitors, customers or regulators. |
| MP 00 02 | Executive Liability And Entity Securities Liability Coverage Form | Coverage | Private companies with securities exposure (private placements, outside investors) that want entity securities coverage alongside D&O. |
| MP 00 03 | Common Policy Conditions | Condition | Any organization insured on the ISO Management Protection program. |
| MP 00 07 | Fiduciary Liability Coverage Form | Coverage | Employers that sponsor retirement, health or other employee benefit plans. |
| MP 00 08 | Executive Liability Side A Coverage Form | Coverage | Organizations wanting dedicated personal-asset protection for directors and officers above or alongside traditional D&O. |
| MP 03 01 | Co-Insurance | Endorsement | Organizations insured on the ISO Management Protection program. |
| MP 03 02 | Co-Insurance | Endorsement | Organizations insured on the ISO Management Protection program. |
| MP 04 01 | Coverage Extension - Outside Service | Endorsement | Organizations insured on the ISO Management Protection program that need this extension. |
| MP 04 02 | Coverage Extension - Acquisition Or Creation Of For-Profit Organization | Endorsement | Organizations insured on the ISO Management Protection program that need this extension. |
| MP 04 03 | Coverage Extension - Merged, Sold, Spun-Off, Or Terminated Plans | Endorsement | Organizations insured on the ISO Management Protection program that need this extension. |
| MP 04 04 | Coverage Extension - CAP Penalties | Endorsement | Organizations insured on the ISO Management Protection program that need this extension. |
| MP 04 05 | Coverage Extension - Certain United Kingdom Fines Or Penalties | Endorsement | Organizations insured on the ISO Management Protection program that need this extension. |
| MP 04 06 | Coverage Extension - Publication Services | Endorsement | Organizations insured on the ISO Management Protection program that need this extension. |
| MP 04 07 | Coverage Extension - Spousal Coverage | Endorsement | Organizations insured on the ISO Management Protection program that need this extension. |
| MP 04 08 | Coverage Extension - Wrongful Personal Injury Acts | Endorsement | Organizations insured on the ISO Management Protection program that need this extension. |
| MP 21 01 | Exclusion - Designated Professional Services | Exclusion | Organizations insured on the ISO Management Protection program. |
| MP 21 04 | Exclusion - Specific Litigation | Exclusion | Organizations insured on the ISO Management Protection program. |
| MP 21 06 | Exclusion - Pending Or Prior Litigation | Exclusion | Organizations insured on the ISO Management Protection program. |
| MP 21 07 | Exclusion - Initial Public Offering (IPO) | Exclusion | Organizations insured on the ISO Management Protection program. |
| MP 21 09 | Exclusion - Intellectual Property | Exclusion | Organizations insured on the ISO Management Protection program. |
| MP 21 28 | Exclusion - Abuse Or Molestation | Exclusion | Organizations insured on the ISO Management Protection program. |
| MP 28 01 | Extended Reporting Period | Endorsement | Organizations whose Management Protection coverage is ending (sale, merger, dissolution, non-renewal). |
| MP 28 16 | Extended Reporting Period | Endorsement | Organizations whose Management Protection coverage is ending. |
Workers Compensation and Employers Liability (NCCI WC)
1 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| WC 00 03 01 | Alternate Employer Endorsement | Endorsement | Temporary staffing and employee-supply firms, contractors required by an owner or oil company to protect it from their employees' claims, and property managers working for owners. |
