The 2013 Changes To The ISO Businessowners Policy (BOP)
May 15, 2013
National Webinar
Overview
Effective July 1, 2013 in most states Insurance Services Office will make:
• 33 major property form changes
• 4 major liability changes
• 30 endorsement changes
• 16 new endorsements
These changes will make the BOP’s coverage similar to the April 2013 revisions in their Commercial
General Liability, Commercial Property Forms and various endorsements.
The ADDITIONAL INSURED changes include a new blanket contractual endorsement, a new “primary
and noncontributory” endorsement, and a limitation of coverage for additional insureds to contractual
insurance requirements. In addition to these changes, we’ll highlight some critically important coverage
gaps and issues in the BOP program.
The purpose of this webinar is to provide an overview of the major changes in order to obtain the
objectives listed below.
Learning Objectives
At the conclusion of this webinar, you should be able to:

Understand the nature and reasons for over 35 Property and Liability BOP, and endorsement
changes that are effective in most states on July 1, 2013.

Explain these changes to your customers if asked and caution them about some of the potential
pitfalls introduced by these changes.

Determine how these changes can best be risk managed by insureds and prospects.

Minimize your errors and omissions exposure relative to agents and others who have not
carefully reviewed these changes.
The webinar will last approximately 120 minutes. Times below are average estimates.
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Course Outline
Introductory Comments
Outlining the ISO change/filing process and the role of the Big “I” Technical Affairs Committee and the
Mid-America Technical Conference. (2 minutes)
History of the Businessowners Policy (BOP) and its relationship to the Commercial Package Policy
(CPP) (2 minutes)
Changes to Policy Forms The order of discussion may vary slightly.
Section I - Property
1. Business Personal Property - Coverage Radius (4 minutes)
2. Vegetated Roofs (3 minutes)
3. Electronic Data In Building Equipment (2 minutes)
4. Debris Removal (8 minutes)
5. Business Income Additional Coverage - Extended Business Income (3 minutes)
6. Business Income From Dependent Properties Additional Coverage –
Secondary Dependent Properties (3 minutes)
7. Business Personal Property Temporarily In Portable Storage Units
Coverage Extension (2 minutes)
8. Dishonesty Exclusion (3 minutes)
9. Specified Causes Of Loss Property Definition (2 minutes)
10. Limitations (2 minutes)
11. Newly Acquired Or Constructed Property Coverage Extension (2 minutes)
12. Employee Dishonesty Optional Coverage (2 minutes)
13. Business Personal Property (2 minutes)
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14. Covered Causes Of Loss - Risk Of Loss (2 minutes)
15. Fire Department Service Charge Additional Coverage (2 minutes)
16. Business Income And Extra Expense Additional Coverages - Coverage Radius (2 minutes)
17. Ordinance Or Law Exclusion (2 minutes)
18. Temporary Or Leased Employees (2 minutes)
19. Business Income From Dependent Properties Additional Coverage (2 minutes)
20. Earth Movement Exclusion (1 minutes)
21. Loss Payment Property Loss Condition (1 minute)
SECTION II - LIABILITY
22. Liquor Liability Exclusion (9 minutes)
23. Electronic Data Exclusion (1 minutes)
24. War Liability Exclusion (1 minute)
25. Personal And Advertising Injury Exclusion (2 minutes)
SECTION III - COMMON POLICY CONDITIONS (APPLICABLE TO SECTION I - PROPERTY
AND SECTION II - LIABILITY)
26. Other Insurance Condition (2 minutes)
ENDORSEMENTS – Approximately 1 minutes each (unless noted)
BP 04 41 - Business Income Changes - Time Period
BP 04 57 - Utility Services - Time Element
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BP 05 95 - Electronic Data Liability - Limited Coverage
BP 10 79 - Flood Coverage
BP 14 79 - Specified Business Personal Property Temporarily Away From Premises
BP 14 82 - Increase In Rebuilding Expenses Following Disaster (Additional Expense Coverage On
Annual Aggregate Basis)
BP 14 83 - Employee Dishonesty - Named Employee(s)
BP 14 87 - Additional Insured - Owners, Lessees Or Contractors - With Additional Insured Requirement
For Other Parties In Construction Contract
BP 14 89 - Liquor Liability Coverage - Bring Your Own Alcohol Establishments
BP 17 01 - Condominium Association Coverage
BP 17 02 - Condominium Commercial Unit-owners Coverage
BP 17 03 - Condominium Commercial Unit-owners Optional Coverages
BP 04 19 - Amendment - Liquor Liability Exclusion - Exception For Scheduled Premises Or Activities
BP 14 81 - Limitations On Coverage For Roof Surfacing
BP 14 86 - Communicable Disease Exclusion
BP 14 91 - Amendment Of Personal And Advertising Injury Definition
BP 04 19 - Amendment - Liquor Liability Exclusion - Exception For Scheduled Premises Or Activities
BP 04 30 - Protective Safeguards
BP 04 31 - Food Contamination
BP 04 53 - Water Back-up And Sump Overflow
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BP 04 56 - Utility Services - Direct Damage
BP 04 57 - Utility Services - Time Element
BP 04 84 - Functional Building Valuation
BP 05 95 - Electronic Data Liability - Limited Coverage
BP 05 96 - Electronic Data Liability - Broad Coverage
BP 05 97 - Extended Reporting Period For Electronic Data Liability - Broad Coverage
BP 05 98 - Amendment Of Insured Contract Definition
BP 14 04 - Windstorm Or Hail Losses To Roof Surfacing - Actual Cash Value Loss Settlement
BP 14 09 - Debris Removal Additional Insurance
BP 14 75 - Increased Cost Of Loss And Related Expenses For Green Upgrades
BP 14 78 - Exclusion Of Loss Due To By-products Of Production Or Processing Operations (Rental
Properties)
BP 14 80 - Higher Limits
BP 14 88 - Primary And Noncontributory - Other Insurance Condition
BP 17 01 - Condominium Association Coverage
BP 17 02 - Condominium Commercial Unit-owners Coverage
Review of this group of endorsements (3 minutes)
BP 04 02 - Additional Insured - Managers Or Lessors Of Premises
BP 04 06 - Additional Insured - Controlling Interest
BP 04 07 - Additional Insured - State Or Governmental Agency Or Subdivision Or Political Subdivision
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- Permits Or Authorizations Relating To Premises
BP 04 09 - Additional Insured - Mortgagee, Assignee Or Receiver
BP 04 10 - Additional Insured - Owners Or Other Interests From Whom Land Has Been Leased
BP 04 11 - Additional Insured - Co-owner Of Insured Premises
BP 04 13 - Additional Insured - Engineers, Architects Or Surveyors
BP 04 16 - Additional Insured - Lessor Of Leased Equipment
BP 04 47 - Additional Insured - Vendors
BP 04 48 - Additional Insured - Designated Person Or Organization
BP 04 49 - Additional Insured - Engineers, Architects Or Surveyors Not Engaged By The Named
Insured
BP 04 50 - Additional Insured - Owners, Lessees Or Contractors - Scheduled Person Or Organization
BP 04 51 - Additional Insured - Owners, Lessees Or Contractors - With Additional Insured Requirement
In Construction Contract
BP 04 52 - Additional Insured - State Or Governmental Agency Or Subdivision Or Political Subdivision
- Permits Or Authorizations
BP 14 02 - Additional Insured - Owners, Lessees Or Contractors - Completed Operations
BP 14 05 - Additional Insured - Grantor Of Franchise
Review of this group of endorsements (3 minutes)
BP 04 07 - Additional Insured - State Or Governmental Agency Or Subdivision Or Political Subdivision
- Permits Or Authorizations Relating To Premises
BP 04 52 - Additional Insured - State Or Governmental Agency Or Subdivision Or Political Subdivision
- Permits Or Authorizations
Review of this group of endorsements (3 minutes)
BP 04 13 - Additional Insured - Engineers, Architects Or Surveyors
BP 04 49 - Additional Insured - Engineers, Architects Or Surveyors Not Engaged By The Named
Insured
BP 04 51 - Additional Insured - Owners, Lessees Or Contractors - With Additional Insured Requirement
In Construction Contract
Review of this group of endorsements (3 minutes)
BP 04 31 - Food Contamination
BP 07 01 - Contractors' Installation, Tools And Equipment Coverage
BP 07 75 - Apartment Buildings
BP 07 76 - Apartment Buildings - Loss Or Damage To Tenants' Autos (Legal LiabilityCoverage)
BP 07 78 - Restaurants
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BP 07 79 - Restaurants - Loss Or Damage To Customers' Autos (Legal Liability Coverage)
BP 07 81 - Residential Cleaning Services
BP 10 09 - Named Perils
Review of this group of endorsements (3 minutes)
BP 08 01 - Barber Shops And Hair Salons Professional Liability
BP 08 03 - Optical And Hearing Aid Establishments
BP 08 07 - Pharmacists
BP 08 09 - Beauty Salons Professional Liability
BP 14 15 - Limited Exclusion - Personal And Advertising Injury - Lawyers
Sign Off
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