1. Forms
NAICS 541922

Commercial Photography

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)

38 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 48Additional Insured - Designated Person Or OrganizationEndorsementAny BOP account; most often requested by landlords, customers, lenders or contracts.
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 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 05 96Electronic Data Liability - Broad CoverageEndorsementBOP accounts that handle or service others' data or systems and want broader third-party data loss coverage.
BP 07 83PhotographyEndorsementPortrait, wedding, event and commercial photographers written on the ISO BOP.
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 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 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 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 02Micro-Businessowners ServiceEndorsementVery small service businesses 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 21 03Micro-Businessowners Professional Services ExclusionExclusionVery small businesses written on the ISO Micro-Businessowners program.
BP 22 02Micro-Businessowners Professional LiabilityEndorsementMicro-businesses that render professional services described in the Schedule (consultants, designers, bookkeepers and similar).

Commercial Auto (ISO CA)

1 forms
Form CodeTitleTypeWho needs it
CA 04 42Exclusion Of Federal Employees Using Autos In Government BusinessExclusionBusinesses whose autos may be driven by federal employees on government business, such as contractors to federal agencies and auto rental companies.

Commercial General Liability (ISO CG)

2 forms
Form CodeTitleTypeWho needs it
CG 21 16Exclusion – Designated Professional ServicesExclusionBusinesses that perform professional services (consulting, design, inspection, IT, health and others) where the carrier wants professional exposures handled by an E&O policy.
CG 24 55Unmanned AircraftEndorsementInsureds in aviation-related or drone-related classifications: drone operators, aerial photography, agriculture spraying by drone, inspection and survey firms.

Commercial Inland Marine (ISO CM)

1 forms
Form CodeTitleTypeWho needs it
CM 00 20Commercial Articles Coverage FormCoverageBusinesses that own or use camera and musical equipment: photographers and videographers, film and video producers, bands and orchestras, schools, churches, theaters and recording studios.

Commercial Property (ISO CP)

2 forms
Form CodeTitleTypeWho needs it
CP 00 18Condominium Commercial Unit-Owners Coverage FormCoverageBusinesses 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 04 18Condominium Commercial Unit-Owners Optional CoveragesEndorsementOwners of commercial condominium units: medical and professional offices, retail and light-industrial condo units.

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.

Dwelling Personal Liability and Personal Umbrella (ISO DL)

3 forms
Form CodeTitleTypeWho needs it
DL 24 09Permitted Incidental OccupanciesEndorsementDwelling-program insureds with an incidental business occupancy.
DL 98 03Personal Umbrella Liability Policy Excess Home Business Liability Coverage EndorsementEndorsementHome-business owners with an ISO personal umbrella.
DL 99 02Personal Umbrella Liability Policy Excess Permitted Incidental Occupancies Liability EndorsementEndorsementInsureds with incidental home occupancies and an ISO personal umbrella.

Dwelling Property (ISO DP)

1 forms
Form CodeTitleTypeWho needs it
DP 04 20Permitted Incidental OccupanciesEndorsementDwelling-policy insureds with an incidental business occupancy at the described location.

Employment-Related Practices Liability (ISO EP)

20 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 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 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.

Homeowners (ISO HO)

9 forms
Form CodeTitleTypeWho needs it
HO 04 12Increased Limits On Business PropertyEndorsementInsureds who keep business-related property at home without conducting the business there.
HO 04 42Permitted Incidental Occupancies – Residence PremisesEndorsementOwner-occupants who run an incidental office, studio, professional practice or private school from the residence premises.
HO 07 01Home Business Insurance CoverageEndorsementSmall home-based businesses owned by the named insured or resident family and operated from the residence premises.
HO 07 50Additional Insured – Managers Or Lessors Of Premises Leased To An InsuredEndorsementHome-business insureds whose lease requires the landlord to be named as an additional insured.
HO 07 52Loss Payable ProvisionsEndorsementHome-business insureds with financed or leased business property.
HO 07 53Exclusion – Personal And Advertising InjuryEndorsementHome-business insureds.
HO 07 56Valuable Papers And Records Coverage Increased LimitsEndorsementHome-business insureds with valuable records.
HO 07 57Special Coverage For Valuable Papers And RecordsEndorsementHome-business insureds with valuable records.
HO 24 43Permitted Incidental Occupancies – Other ResidencesEndorsementInsureds conducting an incidental office, studio or private school at a residence other than the residence premises.

Commercial Inland Marine – ISO IH Series Forms

1 forms
Form CodeTitleTypeWho needs it
IH 99 29Limited Coverage For Unmanned Aircraft PropertyEndorsementBusinesses that own or use drones: surveyors, contractors, inspectors, photographers, farms.

Miscellaneous Professional Liability (ISO MI)

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