NAICS 5312
Offices of Real Estate Agents and Brokers
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 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 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 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 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 46 | Condition - Litigation Funding Mutual Disclosure | Condition | Any account written on the ISO Businessowners program whose carrier adopts the 2026 endorsements. |
| 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)
14 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| 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 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 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 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. |
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)
12 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| 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 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 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 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 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 Liability Umbrella (ISO CU)
6 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| 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. |
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. |
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. |
Commercial Inland Marine – ISO IH Series Forms
1 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. |
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. |
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. |
