Business Owners Policy Forms (Agent Use Only)

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Business Owners Policy Forms for Agent Use Only

  • Main Form
    • BP01000612 – Business Owners Standard Policy –

      Summary: This policy is used to provide named perils coverage for covered property and includes  commercial liability coverages.

      Under Property Covered, this policy covers direct physical loss or damage to property covered under Coverage A — Buildings and Coverage B — Business Personal Property at the described premises shown on the declarations, and caused by or resulting from a covered peril.

      Optional property coverages are also available for Burglary and Robbery Coverage, Employee Dishonesty, and Outdoor Signs.

      Loss of income coverage is also provided for earnings and extra expense during the restoration period when the Insured’s normal business activities are necessarily interrupted by direct physical loss or damage to real or personal property as a result of a covered peril.

      Under Commercial Liability Coverages, principal coverages include Bodily Injury and Property Damage Liability; Medical Payments; Fire Legal Liability; and Personal and Advertising Injury Liability.


    • BP02000612 – Business Owners Special Policy –

      Summary: This policy is used to provide coverage against risks of direct physical loss for covered property, with certain exceptions, and includes commercial liability coverages.Under Property Covered, this policy covers direct physical loss or damage to property covered under Coverage A — Buildings and Coverage B — Business Personal Property at the described premises shown on the declarations, and caused by or resulting from a covered peril.Optional property coverages are also available for Employee Dishonesty, Money and Securities, and Outdoor Signs.

      Loss of income coverage is also provided for earnings and extra expense during the restoration period when the Insured’s normal business activities are necessarily interrupted by direct physical loss or damage to real or personal proper ty as a result of a covered peril.

      Under Commercial Liability Coverages, principal coverages include Bodily Injury and Property Damage Liability; Medical Payments; Fire Legal Liability; and Personal and Advertising Injury Liability.


  • Mandatory Endorsements
    • BP06760612 – Exclusion Fungus Related Perils
    • BP06770612 – Exclusion Fungus Related Perils – Contracting Ops Only
    • BP06780104_Exclusion Insulation & Finish Systems
      • Summary: This endorsement can be used to exclude commercial liability coverage for injury or damage arising out of an Exterior Insulation and Finish System (EIFS).
    • BP06800104_Exclusion Damage To Work Performed By You or On Your Behalf
      • Summary: This endorsement can be used to amend the Damage To Your Work exclusion under Coverage L — Bodily Injury Liability and Property Damage Liability, to apply to work that is done by subcontractors on behalf of the Insured.
    • BP07340104_Lead Liability Exclusion
    • BP07360104_Exclusion- Abuse Or Molestation
      • Summary: This endorsement can be used to exclude bodily injury, property damage, or personal and advertising injury that arises out of the actual or threatened abuse or molestation of anyone while in the care, custody, or control of an Insured.
    • BP08160115_Policy Amendment Endorsement
      • Summary: This endorsement modifies significant portions of the insurance contract as well as clarifying definitions.
    • BP08170115_Processing Or Production Operations Exclusion-Rental Units
    • BP08381005_Silica Exclusion
    • BP08391005_Asbestos Exclusion
    • BP08590909_Exclusion Communicable Disease
      • Summary: This endorsement is used to exclude coverage for bodily injury or property damage or personal and advertising injury that arises out of the actual or alleged transmission of a communicable disease by a person, an insured’s property, or the property of others in the care, custody, or control of an insured, as well as any loss, cost, or expense arising out of any request, demand, order, claim, or suit that results from a communicable disease or the conditions to which a communicable disease is attributed.  However, the endorsement does not exclude the actual or alleged transmission of a communicable disease by products intended for human or animal consumption or topical use.
    • BP08680612_Cross Liability Exclusion
      • Summary: This endorsement can be used to exclude bodily injury and personal and advertising injury to an insured as defined under item a. of the definition of “insured”.
    • BP27900604_Terrorism Exclusion
      • Summary: This endorsement defines Terrorism and specifies exclusions or modifications of Acts of Terrorism.
    • BP54400718_MO_Amendatory Endorsement
      • Summary: This 9-page endorsement modifies, among others, the Cancellation, Guaranty Association, and Investigation of Claims portions of the policy.
    • BP58910718_MO_Suits Against Us
    • BP57230718_MO_Punitive Damages Exclusion Other Endorsements

    • BOP – 0100 Endorsements Only
    • BOP – 0200 Endorsements Only
    • BOP – All Other Endorsements

      • BP03070104_Additional Insured – Owner or Lessor of Leased Land
        • Summary: This endorsement can be used to provide liability coverage for the entity from whom the insured leases land for the liability exposure to which that entity could be subject, as a result of the ownership, maintenance, or use of the premises that is leased to the insured, as designated in the Schedule.

      • BP03090104_Liability Coverage – Designated Premises or Project
        • Summary: This endorsement can be used to provide liability coverage for only those designated premises shown on the Schedule; operations necessary or incidental to the ownership, maintenance, or use of those premises; or designated projects shown in the Schedule.
      • BP03210104_Ordinance or Law Extension
        • Summary: This endorsement can be used to provide additional coverage for costs associated with the enforcement of any code, ordinance, law, or decree. This includes the increased building loss for the value of the undamaged portions of that building or structure; increased debris removal for the cost to demolish and remove the debris of undamaged portions of that building or structure; increased cost of construction to repair, rebuild, or replace the damaged portions of that building or structure, and or increased cost of construction to reconstruct or remodel undamaged portions of that building or structure whether or not demolition is required.
          Loss or damage due to any code, ordinance, law, or decree that the Insured is required to comply with before the loss is excluded. This applies even if the building or structure was undamaged, and that the Insured failed to comply with.
          Also excluded is any loss or increased cost caused by the enforcement of any code, ordinance, law, or decree that regulates or requires the repair, replacement, remodeling, rehabilitation, or razing of property due to the existence of or any activity of fungus or related perils.
      • BP03230104_Seasonal Increase
        • Summary: This endorsement can be used to replace the Coverage B — Business Personal Property Limit shown on the declarations for the described premises, for a period of time as specified in the Schedule.
      • BP03300612 Water Backup and Overflow
        Summary: This optional endorsement can be used to provide coverage for direct physical loss or damage to covered property shown on the Schedule, while at the premises shown on the Schedule. The endorsement provides coverage not only for water that backs up through, overflows from, or is otherwise discharged from sewers or drains, but also from sump pumps and any other type of system designed to remove subsurface water from the foundation area. Water damage due to mechanical breakdown of a sump pump or related equipment is also covered, but repair or replacement of the equipment due to mechanical breakdown is excluded. An optional coverage for Loss of Income is also available. Two additional exclusions have been introduced with respect to proper condition and maintenance of the equipment specified.
      • BP03310104 Protective Devices
        Summary: This endorsement is used to provide additional exclusions when a protective device or service is used to provide fire or theft protection. In exchange for a discounted rate, the insured is required to notify the company of any suspension or impairment in any protective device or service. The insured must maintain any protective device or service in complete working order.

        BP03320612 Earthquake Coverage

        Summary: This endorsement can be used to provide coverage for loss caused by earthquake or the eruption, explosion, or effusion of a volcano. This endorsement includes a percentage deductible provision which applies separately to each building or structure described on the declarations, personal property in each such building or structure, and property in the open or in vehicles within 100 feet of the described premises. If earthquake shocks begin within 168 hours prior to inception of this coverage, and this endorsement replaces prior earthquake insurance that excludes loss that occurs after the expiration date of such prior insurance, this endorsement will cover loss or damage that occurs on or after the inception of this coverage.
      • BP03330104 Non-Owned and Hired Auto Liability Coverage
        Summary: This endorsement can be used to extend the Bodily Injury and Property Damage Liability coverage provided under Coverage L to apply to non-owned and/or hired autos.
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