NAICS 812
Personal and Laundry Services
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)
18 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 00 04 | Micro-Businessowners Coverage Form | Coverage | Very small retail and service businesses eligible for the ISO Micro-Businessowners program. |
| BP 04 02 | Additional Insured - Managers Or Lessors Of Premises | Endorsement | Tenants whose lease requires the landlord or property manager to be an additional insured. |
| BP 04 04 | Hired Auto And Non-Owned Auto Liability | Endorsement | BOP accounts with no owned autos whose employees run errands, make deliveries or travel in personal or rented vehicles for the business. |
| BP 04 48 | Additional Insured - Designated Person Or Organization | Endorsement | Any BOP account; most often requested by landlords, customers, lenders or contracts. |
| 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 57 | Utility Services - Time Element | Endorsement | Any BOP account that would lose income or incur extra expense during an off-premises utility outage. |
| BP 05 89 | Employment-Related Practices Liability Endorsement | Endorsement | Small employers on a BOP that want EPL bundled with their package. |
| BP 08 01 | Barber Shops And Hair Salons Professional Liability | Endorsement | Barber shops and hair salons whose operators cut, color, style or otherwise treat customers' hair. |
| BP 08 02 | Funeral Directors Professional Liability | Endorsement | Funeral homes and funeral directors. |
| BP 08 09 | Beauty Salons Professional Liability | Endorsement | Beauty salons, nail salons and day spas offering hair, nail and skin services. |
| BP 15 83 | Additional Insured - Automatic Status When Required In Written Contract Or Agreement | Endorsement | Any BOP account; most often requested by landlords, customers, lenders or contracts. |
| BP 16 39 | Broad Abuse Or Molestation Exclusion | Exclusion | BOP accounts with exposure to children, vulnerable adults or close personal contact: fitness studios, tutoring, personal care, daycare-adjacent retail, healthcare offices. |
| BP 18 43 | Exclusion - Human Trafficking | Exclusion | Hotels and motels, bars and nightclubs, massage and personal care businesses and other accounts with trafficking exposure. |
| BP 20 02 | Micro-Businessowners Service | Endorsement | Very small service businesses written on the ISO Micro-Businessowners program. |
| BP 21 01 | Micro-Businessowners Abuse Or Molestation Exclusion | Exclusion | Micro-BOP accounts with children, vulnerable adults or close personal contact exposures. |
| BP 21 02 | Micro-Businessowners Employment-Related Practices Exclusion | Exclusion | Very small businesses written on the ISO Micro-Businessowners program. |
| BP 21 03 | Micro-Businessowners Professional Services Exclusion | Exclusion | Very small businesses written on the ISO Micro-Businessowners program. |
Commercial Auto (ISO CA)
3 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CA 00 05 | Garage Coverage Form Withdrawn | Coverage | Historical: auto dealers, repair shops, service stations, parking garages and tow operators insured under the pre-2013 ISO Garage program. |
| CA 20 18 | Professional Services Not Covered | Endorsement | Ambulance services, funeral homes, hospitals and medical transport operations. |
| CA 99 37 | Garagekeepers Coverage | Endorsement | Auto repair shops, service stations, body shops, parking garages, car washes and other non-dealer auto service businesses. |
Commercial General Liability (ISO CG)
10 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CG 20 24 | Additional Insured – Owners Or Other Interests From Whom Land Has Been Leased | Endorsement | Businesses that lease land (not buildings) such as parking lots, storage yards, outdoor sales lots, cell sites, farms or billboard sites. |
| CG 21 16 | Exclusion – Designated Professional Services | Exclusion | Businesses that perform professional services (consulting, design, inspection, IT, health and others) where the carrier wants professional exposures handled by an E&O policy. |
| CG 21 46 | Abuse Or Molestation Exclusion Withdrawn | Exclusion | Schools, day cares, camps, youth sports, churches, social service agencies, healthcare and senior living, fitness and personal care businesses. |
| CG 21 56 | Exclusion – Funeral Services | Exclusion | Funeral homes, crematories and cemeteries. |
| CG 22 45 | Exclusion – Specified Therapeutic Or Cosmetic Services | Exclusion | Salons, spas, tattoo and piercing studios, massage businesses and similar personal care services. |
| CG 22 53 | Exclusion – Laundry And Dry Cleaning Damage | Exclusion | Laundromats and self-service dry cleaners. |
| CG 22 76 | Professional Liability Exclusion – Health Or Exercise Clubs Or Commercially Operated Health Or Exercise Facilities | Exclusion | Health clubs, gyms, fitness studios and personal training businesses. |
| CG 22 90 | Professional Liability Exclusion – Spas Or Personal Enhancement Facilities | Exclusion | Day spas, med-spas, personal enhancement and wellness facilities. |
| CG 40 29 | Sexual Abuse Or Sexual Molestation Exclusion | Exclusion | Organizations and businesses where the carrier excludes sexual abuse and molestation but not other abuse allegations. |
| 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. |
Commercial Property (ISO CP)
2 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CP 04 26 | Ordinance Or Law Coverage For Tenant's Interest In Improvements And Betterments (Tenant's Policy) | Endorsement | Tenants that have invested heavily in build-outs they cannot remove: restaurants, medical and dental offices, retail stores, salons, fitness centers, labs. |
| 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. |
Commercial Liability Umbrella (ISO CU)
1 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| CU 34 71 | Exclusion – Human Trafficking | Exclusion | Lodging and other businesses that carriers view as exposed to human trafficking claims. |
Dwelling Personal Liability and Personal Umbrella (ISO DL)
3 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| DL 24 09 | Permitted Incidental Occupancies | Endorsement | Dwelling-program insureds with an incidental business occupancy. |
| DL 98 03 | Personal Umbrella Liability Policy Excess Home Business Liability Coverage Endorsement | Endorsement | Home-business owners with an ISO personal umbrella. |
| DL 99 02 | Personal Umbrella Liability Policy Excess Permitted Incidental Occupancies Liability Endorsement | Endorsement | Insureds with incidental home occupancies and an ISO personal umbrella. |
Dwelling Property (ISO DP)
1 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| DP 04 20 | Permitted Incidental Occupancies | Endorsement | Dwelling-policy insureds with an incidental business occupancy at the described location. |
Employment-Related Practices Liability (ISO EP)
1 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| EP 01 17 | Liability To Your Customers And Clients | Endorsement | Customer-facing employers such as restaurants, retailers, hotels, healthcare and service businesses. |
Homeowners (ISO HO)
6 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| HO 04 42 | Permitted Incidental Occupancies – Residence Premises | Endorsement | Owner-occupants who run an incidental office, studio, professional practice or private school from the residence premises. |
| HO 07 01 | Home Business Insurance Coverage | Endorsement | Small home-based businesses owned by the named insured or resident family and operated from the residence premises. |
| HO 07 50 | Additional Insured – Managers Or Lessors Of Premises Leased To An Insured | Endorsement | Home-business insureds whose lease requires the landlord to be named as an additional insured. |
| HO 07 52 | Loss Payable Provisions | Endorsement | Home-business insureds with financed or leased business property. |
| HO 07 53 | Exclusion – Personal And Advertising Injury | Endorsement | Home-business insureds. |
| HO 24 43 | Permitted Incidental Occupancies – Other Residences | Endorsement | Insureds conducting an incidental office, studio or private school at a residence other than the residence premises. |
Commercial Inland Marine – ISO IH Series Forms
2 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| IH 00 85 | Bailees Customers Coverage Form | Coverage | Businesses that hold customers' goods for cleaning, repair or service: dry cleaners and laundries, appliance, electronics and furniture repair shops, upholsterers, tailors, shoe repair. |
| IH DS 85 | Bailees Customers Declarations | Declaration | Accounts insured under the ISO Bailees Customers Coverage Form. |
Massachusetts Commercial Auto (CAR / ISO MM Forms)
2 forms| Form Code | Title | Type | Who needs it |
|---|---|---|---|
| MM 00 94 | Garage Declarations - Massachusetts | Declaration | Massachusetts garage risks written on the Massachusetts garage policy. |
| MM 00 95 | Garage Insurance Policy - Massachusetts | Coverage | Massachusetts repair shops, service stations, parking and other garage operations. |
