AAIS BUSINESSOWNERS POLICY AVAILABLE ENDORSEMENTS AND THEIR USES

(May 2025)

INTRODUCTION

This list identifies endorsements available to modify the American Association of Insurance Services (AAIS) Businessowners Policy. It is arranged by form number and title, briefly describing and explaining how each endorsement is used. It does not include any state-specific endorsements, changes, or amendments. New endorsements and changes introduced with or after the BP 0816–Policy Amendatory Endorsement 01 15 edition are in bold print.

FORM NUMBERING

The ten-digit numbering sequence of AAIS forms and endorsements has a particular meaning:

The first two entries are alphabetical characters that indicate the line of insurance involved, such as BP for Businessowners Policy.
The next four digits are the form or endorsement number.
The last four digits indicate the edition date of the form or endorsement, presented in month and year format. This analysis indicates the edition date of each endorsement due to the numerous updates on the following reviewed endorsements.

AAIS BUSINESSOWNERS POLICY ENDORSEMENTS

BP 0302–Burglary and Robbery Coverage

(Edition 02 04)

(Use with BP 0100)

This endorsement covers loss or damage to covered business personal property that results from actual or attempted burglary or robbery. This is a limited version of the Burglary and Robbery Optional Coverage in BP 0100–Businessowners Standard Policy. It is subject to sub-limits and property limitations and does not cover money and securities.

BP 0304–Money and Securities Coverage

(Edition 06 12)

(Use with BP 0100)

This endorsement covers losses to money, securities, and lottery tickets not held for sale caused by theft, disappearance, or destruction. Coverage applies to property inside the designated premises, within a financial institution, and outside any premises with messengers. The endorsement schedule must include limits for coverage inside and outside the premises.

BP 0306–Theft Coverage

(Edition 02 04)

(Use with BP 0100)

This endorsement covers loss or damage to covered property that results from attempted or actual theft at the described premises. Covered property does not include money and securities. Certain property is subject to sub-limits and limitations and does not cover money and securities.

BP 0307–Additional Insured–Owner or Lessor of Leased Land

(Edition 05 18)

This endorsement extends coverage to the scheduled party from whom the named insured leases land, designating them as an additional insured. Coverage is limited to this specific entity and applies only to liability arising from the additional insured’s ownership, maintenance, or use of the land specified in the endorsement schedule.

NOTE: The 05 18 edition replaces the 01 04 edition. This replacement amends How Much We Pay to specify that any contract or agreement must clearly state the required coverage for the additional insured. It also clarifies this endorsement does not increase liability limits shown on the declarations, applies only to the extent permitted by law, and will not exceed the insurance requirements outlined in the contract.

BP 0309–Coverage Limitation–Designated Premises or Project

(Edition 01 04)

This endorsement restricts coverage. It limits the liability coverage the Businessowners Policy provides to only the premises or project on the endorsement schedule. The restriction applies to Coverages L – Bodily Injury and Property Damage Liability, M – Medical Payments, and O – Fire Legal Liability.

BP 0317–Condominium Buildings Exclusion–Entire Units

(Edition 01 04)

BP 0318–Condominium Buildings Exclusion–Improvements

(Edition 01 04)

This endorsement is designed to protect the interests of a condominium association by excluding coverage on fixtures, improvements, and alterations that individual unit-owners add after the original installation. Coverage continues to apply for damage to items that were part of the initial installation or items that replaced those initial items if they were of similar quality to the initial installation items.

BP 0319–Condominium Loss Assessment Coverage

(Edition 01 04)

This endorsement should be attached to any policy that covers a condominium unit owner. It covers the named insured's share of a loss assessment that the condominium association charges to all unit owners. A deductible per unit and assessment limit must be entered on the endorsement schedule for each unit insured. After the deductible applies, coverage is limited to $1,000 per scheduled unit.

BP 0321–Ordinance or Law Extension

(Edition 01 04)

This endorsement covers the destruction of undamaged property, removal of its debris, and increased construction costs due to the enforcement of municipal or other governmental codes, ordinances, and laws that apply to construction and reconstruction following a covered loss.

Related Article: CP 04 05–Ordinance or Law Coverage

BP 0322–Computer Coverage

(Edition 06 12)

(Use with BP 0100)

This endorsement covers computers (hardware and software) for risks of direct physical loss or damage, except for otherwise excluded or limited losses. Premises/Building Numbers and limits for hardware and software must be entered on the endorsement schedule. Coverage may also extend to computers temporarily away from the described premises and in transit. It provides coverage similar to BP 0200–Businessowners Special Policy.

Related Articles:

AAIS Electronic Data Processing Equipment and Business Computer Coverage Forms

ISO Computer Systems Coverage Form

BP 0323–Seasonal Increase

(Edition 01 04)

This endorsement increases business personal property limits for the time periods on the endorsement schedule.

NOTE: When selecting the appropriate limit for this endorsement, it is important to consider the seasonal increase that the Businessowners Policy automatically provides under How Much We Pay.

Related Article: Peak Season Coverage

BP 0324–Fine Arts Coverage

(Edition 02 04)

This endorsement insures articles of fine art listed, described, and which have a limit of insurance on the endorsement schedule. It provides limited automatic coverage for fine arts acquired during the policy period. It removes many Businessowners Policy exclusions but adds exclusions specific to fine arts that must be reviewed carefully. Valuation is based on the limits for art objects listed and described on the endorsement schedule.

Related Articles:

AAIS Fine Arts Coverage Forms

ISO Commercial Fine Arts Coverage Form

BP 0325–Sprinkler Leakage Earthquake Extension

(Edition 01 04)

This endorsement extends coverage for sprinkler leakage caused by earthquakes. Additionally, it can cover sprinkler leakage resulting from a volcano's eruption, explosion, or effusion when earthquake coverage is not included.

BP 0327–Spoilage Coverage

(Edition 06 12)

This endorsement covers loss or damage to perishable stock or merchandise caused by the perils of breakdown, contamination, and/or power disruption for the limit(s), perils, and deductibles on the endorsement schedule.

BP 0330–Water Backup and Overflow Coverage

(Edition 06 12)

This endorsement buys back the part of the water exclusion that excludes overflow and backup of sewer, drains, sump pumps, and similar equipment designed to remove subsurface water from the foundation area. It can be used for direct damage, and there is an option to add coverage for loss of income. Coverage applies at locations and for the type of property, coverage(s), and limits on the endorsement schedule.

BP 0331–Protective Devices

(Edition 01 04)

This endorsement is a warranty that the protective devices on the endorsement schedule will be in proper working condition at all times. A premium credit is provided for such devices. If they are not working when an otherwise covered fire or theft loss occurs, there is no coverage for that loss.

BP 0332–Earthquake and Volcanic Eruption Coverage

(Edition 06 12)

This endorsement insures loss or damage to covered property caused by earthquakes and volcanic eruptions. Because the endorsement does not have a schedule, coverage applies to all covered locations.

It’s important to note the deductible applies as a percentage deductible and applies separately to each building, structure, or personal property in such building or structure.

BP 0333–Non-Owned Auto Liability Coverage/Hired Auto Liability Coverage

(Edition 01 04)

This endorsement extends the Businessowners Policy's bodily injury and property damage liability coverages under Coverage L to apply to non-owned and/or hired auto situations listed on the endorsement schedule.

BP 0334–Additional Insured–Townhouse Associations

(Edition 01 04)

This endorsement applies when the named insured is a townhouse association. It extends the policy's liability coverage to include each unit owner as an insured. That coverage is limited strictly to liability imposed due to the unit owner's membership in the townhouse association. It does not cover the individual unit owners' personal liability.

BP 0336–Premium Payments

(Edition 01 04)

The endorsement is used when the insurance company issues a policy with a term exceeding one year. It notifies the named insured that the company will recalculate the premium on each anniversary date and include any new and revised policy forms and endorsements.

BP 0338–Condominium Association Coverage

(Edition 01 04)

This endorsement should be attached to policies that cover condominium associations. It covers fixtures, improvements, and alterations that are part of a unit and personal property that all unit owners own collectively. All property coverage is primary, and there are no rights of recovery against unit owners. Each unit owner is an insured, but only with respect to communal areas. Certain limitations and additional conditions apply.

BP 0343–Functional Replacement Cost Valuation–Business Personal Property

(Edition 01 08)

Insuring some property at full replacement cost could create a significant moral hazard and increase the named insured’s premium. This endorsement lets the named insured select the coverage needed to replace the property on the endorsement schedule with functionally equivalent property.

Related Article: Functional Replacement Cost Valuation

BP 0345–Functional Replacement Cost Valuation–Buildings

(Edition 01 08)

Insuring some buildings at full replacement cost could create a significant moral hazard and increase the named insured’s premium. This endorsement lets the named insured select the coverage needed to replace the building on the endorsement schedule with a functionally equivalent building.

Related Article: Functional Replacement Cost Valuation

BP 0346–Change Endorsement

(Edition 01 04)

This endorsement is used to make miscellaneous changes to the policy that other endorsements cannot do. These changes should not involve coverage or premium considerations.

BP 0348–Theft Exclusion

(Edition 01 04)

(Use with BP 0200)

This endorsement excludes loss caused by theft of business personal property. Ensuing losses caused by a specified peril are covered. However, it does not exclude pillaging or looting when a civil commotion or riot occurs.

BP 0350–Condominium Unit-Owners Coverage

(Edition 01 04)

This endorsement deletes Coverage B–Business Personal Property in the Businessowners Policy and replaces it with language tailored to condominiums. It must be used when the named insured is a condominium unit owner.

BP 0351–Property Additional Coverage Endorsement

(Edition 01 15)

This endorsement provides a bundled list of scheduled additional coverages and extensions of limits for the list of properties shown in it. Each coverage can be purchased separately, but this endorsement provides them for a single premium charge instead of charging for each separately. It also adds spoilage coverage.

NOTE: The business personal property – off premises limit was increased from $10,000 to $15,000 in the 01 15 change.

BP 0355–Windstorm or Hail Percentage Deductibles

(Edition 01 08)

This endorsement provides a percentage deductible approach to windstorm, hail loss, or damage to covered property at locations on the schedule. The rules specify that the percentage options available are 1%, 2%, or 5%. The minimum deductible is $1,000 per occurrence.

Related Article: Windstorm or Hail–A Discussion

BP 0370–Data Compromise Expense Coverage

(Edition 07 12)

This endorsement offers coverage for expenses incurred by the insured in case of a personal data compromise. This includes loss, theft, accidental release, or accidental publication of personally identifiable information for one or more affected individuals. Coverage extends to employees, clients, and other individuals as defined in the section on "affected individuals." Additionally, coverage is available for costs related to legal and forensic reviews, provided these costs are within the sub-limit specified in the endorsement schedule or declarations. An annual aggregate limit applies to this coverage.

BP 0499–Additional Insured–Grantor of Franchise

(Edition 01 04)

This endorsement provides liability coverage for a franchiser as an additional insured, but only for liability from granting a franchise to the named insured.

BP 0605–Expanded Non-Owned Auto Liability Coverage/Hired Auto Liability Coverage

(Edition 01 04)

This endorsement is identical to BP 0333–Non-Owned Auto Liability Coverage/Hired Auto Liability Coverage with two changes:

The definition of non-owned auto is broadened to include the named insured’s use of employee-owned autos.
The named insured is not excluded from non-owned auto coverage.

BP 0623–Employment Practices Liability–Claims-Made Basis

(Edition 02 04)

This endorsement adds Coverage F–Employment Practices Liability. It has its own coverage description, definitions, exclusions, and other conditions.

BP 0639–Employment Practices Liability–Extended Reporting Period

(Edition 01 04)

This endorsement applies when the named insured purchases the three-year extended reporting period outlined in BP 0623 – Employment Practices Liability (EPL) – Claims-Made Basis. Claims must still occur within the policy period but can be reported within the extended reporting time frame after the expiration date. The aggregate limit for the Extended Reporting Period is equal to the limit specified on the EPL schedule. As a result, the coverage amount remains unchanged; only the time allowed for reporting claims is extended.

BP 0650–Equipment Breakdown

(Edition 06 12)

This endorsement covers accidental breakdowns of included equipment, with limited protection for data restoration, expedited expenses, pollutants, and spoilage.

Related Article: BP 0650–Equipment Breakdown

BP 0661–Utility Service Disruption–Property Damage

(Edition 06 12)

This endorsement was previously named Utility Interruption–Property Damage. It covers loss or damage to covered property due to a disruption of a covered specific utility service or services to locations listed on the endorsement schedule. A covered peril must cause the utility service disruption. Loss of records, programs, and applications is not covered.

Related Article: Utility Services Coverage

BP 0662–Utility Services Disruption–Time Element

(Edition 06 12)

This endorsement, previously named Utility Interruption–Time Element, covers loss of earnings and necessary extra expenses incurred due to a disruption of the covered listed utility service or services at the locations specified in the endorsement schedule. A covered peril must cause the disruption.

Related Article: Utility Services Coverage

BP 0676–Exclusion–Fungus or Related Perils

(Edition 06 12)

This endorsement excludes liability coverage for losses that result from direct or indirect contact with fungus or related perils. It has exceptions for specific food-producing risks, farm workers, and losses due to slippery surfaces because a fungus or related peril exists or is present.

BP 0677–Exclusion–Fungus or Related Perils–Contracting Operations

(Edition 06 12)

This endorsement excludes liability coverage for injury or damage due to contact with fungus or related perils when coverage is written on contracting operations. It does not have any exceptions.

BP 0678–Exclusion–Exterior Installation and Finish Systems

(Edition 01 04)

This endorsement excludes liability coverage for injury or damage due to any aspect of an Exterior Insulation and Finish System (EIFS).

BP 0679–Limited Coverage for Loss by Wet Rot, Dry Rot, Bacteria, Fungi, or Protists

(Edition 06 12)

This endorsement can be used in place of BP 0676–Exclusion–Fungus or Related Perils. It provides limited coverage for damages the named insured must pay for bodily injury or property damage that results from any contact with fungus or related perils. It has exceptions for specific food-producing risks and farm workers. An occurrence and aggregate limits must be entered on the endorsement schedule.

BP 0680–Exclusion–Damage to Work Performed by the Insured or on the Insured's Behalf

(Edition 01 04)

This endorsement removes and replaces the "Damage to Your Work" exclusion, item t., in the Businessowners Policy. The wording “or any part of it” is now eliminated. The last paragraph of item t. is also deleted, which removes the exception for work carried out by a subcontractor on your behalf. This endorsement further expands the exclusion of damage to the insured's work.

BP 0681–Exclusion–Damage to Work Performed by the Insured or on the Insured's Behalf–Designated Locations or Projects

(Edition 01 04)

The endorsement is similar to BP 0680–Exclusion–Damage to Work Performed by the Insured or on the Insured's Behalf, except the restriction applies only to locations or projects on the endorsement schedule.

BP 0701–Additional Insured–Co-Owner of the Insured Premises

(Edition 05 18)

This endorsement includes the co-owner on the endorsement schedule as an additional insured, but only with respect to its liability as a co-owner of the premises on the endorsement schedule.

Changes from the 01 04 to 05 18 edition include updated wording in the "How Much We Pay" section. This section specifies that the policy will pay the lesser limit required in any contract or agreement, or the available limit stated in the declaration.

Furthermore, the endorsement clarifies that the additional insured endorsement does not increase the limits in the declaration. It only applies to the extent permitted by law and will not exceed the insurance requirements outlined in the contract between the insured and the additional insured.

BP 0702–Additional Insured–Controlling Interest

(Edition 05 18)

This endorsement adds the party to the endorsement schedule as an additional insured. Coverage applies only to its liability due to its control, maintenance, or ownership of the scheduled premises that the named insured leases or occupies, or its financial control of the named insured.

BP 0703–Additional Insured–Mortgagee, Assignee, or Receiver

(Edition 05 18)

This endorsement adds the party on the endorsement schedule as an additional insured but only for its liability because of its interest in the listed premises as a mortgagee, assignee, or receiver.

BP 0704–Additional Insured–State or Political Subdivisions–Premises Permits or Authorizations

(Edition 05 18)

The most recent edition has changed the name of the endorsement from "Additional Insured – State or Political Subdivisions—Premises Permits" to "Additional Insured – State or Federal Governmental Agency, Subdivision, or Political Subdivisions—Premises Permits or Authorizations." This endorsement includes the state, federal government agency, subdivision, or political subdivision on the endorsement schedule as an additional insured. It applies only to premises owned by, rented to, or controlled by the insured, where a permit is issued to the named insured by the state or federal government agency, subdivision, or political subdivision.

Changes from the 01 04 to 05 18 edition include updated wording in the title and endorsement wording to include State or Federal Governmental agency, Subdivision, or Political Subdivision.

The "How Much We Pay" section specifies that the policy will pay the lesser limit required in any contract or agreement, or the available limit stated in the declaration.

BP 0708–Additional Insured–Vendors

(Edition 05 18)

This endorsement adds the vendor on the endorsement schedule as an additional insured but only for the liability that arises from the products listed on the endorsement schedule. The products must be considered the named insured’s products, and the vendor must handle, sell, or distribute the products.

The "How Much We Pay" section specifies that the policy will pay the lesser limit required in any contract or agreement, or the available limit stated in the declaration.

BP 0709–Additional Insured–Concessionaires Trading Under the Insured's Name

(Edition 05 18)

This endorsement adds the concessionaires on the endorsement schedule as additional insureds but only for the products/completed work hazard, provided under Coverage L. Coverage is limited liability because they are concessionaires that trade under the named insured's name.

The "How Much We Pay" section specifies that the policy will pay the lesser limit required in any contract or agreement, or the available limit stated in the declaration.

BP 0711–Loss Payable Options

(Edition 01 04)

This endorsement applies to property coverage. It establishes the rights, requirements, and conditions for loss payments to loss payees, lenders' loss payees, and parties to a contract of sale.

BP 0713–Builders' Risk–Completed Value

(Edition 01 04)

This endorsement covers buildings under construction (including building materials and supplies of others in the care, custody, or control of the insured) as listed on the endorsement schedule. The limit of insurance entered should be 100% of the building's projected completed value. This coverage is similar to that provided by Builders’ Risk Coverage Forms.

Related Articles:

CP 00 20–Builders’ Risk Coverage Form Analysis

AAIS Builders' Risk Coverage Forms

ISO Builders’ Risk Coverage Form

BP 0715–Installation Tools and Equipment

(Edition 01 04)

Tools and equipment owned by the named insured and similar property of others are covered by this endorsement based on the entered description and subject to the limit of insurance. Limited coverage applies to employee tools, newly acquired property, and rental reimbursement.

BP 0716–Installation Floater

(Edition 01 04)

The property belonging to the named insured—including materials, supplies, equipment, and the property of others in the insured's care, custody, or control—is covered under this endorsement. This coverage applies to items intended to become a permanent part of any installation, construction, or erection project at job sites. The insurance limits are specified in this endorsement. Coverage is available wherever the named insured is working and includes additional coverages, exclusions, and conditions. This coverage is similar to what Installation Floaters or Coverage Forms provide.

Related Articles:

AAIS Installation Floater Coverage Forms

ISO Installation Coverage Form

BP 0717–Increased Restoration Period–Ordinance or Law

(Edition 01 04)

This endorsement extends the restoration period for loss of income coverage to include the time period needed to comply with building ordinances or laws. It should be added whenever BP 0321–Ordinance or Law Extension that is attached to extend coverage for direct damage losses.

BP 0718–Pharmacists' Professional Liability Coverage – Broad

(Edition 01 15)

This endorsement provides professional liability coverage for bodily injury, property damage, or personal and advertising injury that arises because the named insured or its employees either provided or failed to provide professional services as a pharmacist but only those within the definition of a retail pharmacy practice and only if done in connection with the named insured business.

NOTE: This endorsement's term “broad” distinguishes it from BP 0821–Pharmacists’ Professional Liability Coverage – Limited. This 01 15 edition of this endorsement is less broad than the prior edition because it defines exactly what the policy considers professional services and specifically excludes all compounding. Volunteers are no longer covered, and negligent hiring, training, and supervising are new exclusions.

BP 0719–Optical and Hearing Aid Establishments Liability

(Edition 01 15)

This endorsement provides professional liability coverage for bodily injury, property damage, or personal and advertising injury that arises because the named insured or its employees provided or failed to provide professional health care services that meet the definition of an optical or hearing aid practice, and only if conducted in connection with the named insured's business.

NOTE: This 01 15 edition is less broad than the prior edition because it defines exactly what the policy considers professional services and specifically no longer includes volunteer actions. Negligent hiring, training, and supervising are new exclusions.

BP 0720–Liability Exclusion (Applying to all Hazards in Connection with Designated Premises, Operations, or Products)

(Edition 01 04)

This endorsement excludes all liability for bodily injury, property damage, and personal and advertising injury arising from the ownership, maintenance, or use of the designated premises or operations on the endorsement schedule.

NOTE: This endorsement should be used only when those operations or premises are insured elsewhere because this endorsement and others like it are frequently challenged when a significant incident occurs.

BP 0721–Barbers’ and Hair Stylists' Liability

(Edition 01 15)

The name of this endorsement changed from Cosmetologists’ to Barbers’ and Hair Stylists’ Liability. This endorsement provides professional liability coverage for bodily injury, property damage, or personal and advertising injury that arises because the named insured or its employees either provided or failed to provide professional barber and hair stylist services in connection with the named insured's business.

NOTE: This 01 15 edition is less broad than the prior edition because it defines exactly what the policy considers professional services and no longer includes volunteer actions. It also specifically excludes electrolysis, hair implants, tanning, dying/coloring of eyebrows and lashes, and wax hair removal services. Negligent hiring, training, and supervising are new exclusions.

BP 0722–Punitive Damages Exclusion

(Edition 01 04)

This endorsement excludes punitive, exemplary, or vindictive damages under all liability coverages.

BP 0723–Employee Redefined

(Edition 01 04)

This endorsement redefines the term "employee." It specifically excludes leased and temporary workers only in relation to exclusion k. (Workers Compensation) under bodily injury and property damage liability in Coverage L.

This exclusion does not apply to leased or temporary employees. Therefore, coverage may apply if a leased or temporary worker is injured while performing duties for the named insured and subsequently sues the named insured, provided no other exclusions are in effect.

All other instances of the term "employee" used elsewhere in the policy remain unchanged. This clarification could be beneficial when a contract between the named insured and the provider of leased employees requires the provider to cover workers' compensation benefits.

BP 0725–Contractual Liability Limitation

(Edition 01 04)

This endorsement restricts contractual liability coverage to only the five specified contracts or agreements listed within the endorsement. It removes item 6 from the broader definition of covered contracts in the Businessowners Policy, which includes liability assumed under any contract or agreement.

BP 0726–Deletion–Coverage P–Personal and Advertising Injury Liability

(Edition 06 12)

This endorsement deletes Coverage P–Personal and Advertising Injury.

BP 0727–Leased Premises Limitation

(Edition 01 04)

This endorsement restricts coverage in the definition of a covered contract regarding leases of premises to only the specified premises listed on the endorsement schedule and its adjoining ways.

BP 0728–Coverage E–Employee Benefits Liability Coverage–Claims-Made Basis

(Edition 01 04)

This endorsement covers damages due to employee injuries caused by the named insured’s negligent act, error, or omission in administering an employee benefit program.

BP 0729–Coverage E–Employee Benefits Liability Coverage–Supplemental Extended Reporting Period

(Edition 01 04)

This endorsement outlines the provisions for the Supplemental Extended Reporting Endorsement for Employee Benefits Liability coverage. It applies when the named insured opts to purchase the extended reporting period specified in BP 0728–Coverage E–Employee Benefits Liability Coverage on a claims-made basis. This endorsement provides an unlimited time extension of claims made within the reporting period. Additionally, it includes a provision stating that if more than one policy is in effect during this policy term, this policy will act as excess coverage to any other coverage provided.

BP 0730–Expanded Coverage for Property Damage to Rented Premises

(Edition 01 08)

This endorsement broadens coverage for property damage for which the named insured is legally liable to apply to the premises scheduled on the endorsement. It applies if the insured rents premises from another or temporarily occupies the premises with the owner's permission. When this endorsement is attached to the Businessowners policy, it eliminates Coverage O–Fire Legal Liability and short-term rented premises coverages for this designated premises. The limit per occurrence on the endorsement schedule is subject to the policy aggregate limit.

BP 0731–Waiver of Subrogation

(Edition 01 04)

This endorsement waives the insurance company’s rights of recovery against the party(ies) or organization(s) on the endorsement schedule. The waiver applies to such injury or damage arising from the named insured's ongoing work or work under contract for that party or organization. Coverage also includes products/completed work hazards.

BP 0732–Veterinarians' Professional Liability Coverage

(Edition 01 15)

This endorsement provides professional liability coverage for bodily injury, property damage, or other injury that arises because the named insured or its employees either provided or failed to provide professional services as a veterinarian.

NOTE: The 01 15 edition has changed coverage from acts, errors, or omissions to bodily injury, property damage, or personal and advertising injury resulting from the performance or denial of professional services. Negligent hiring, training, and supervising is now a new exclusion.

BP 0733–Printers' Errors and Omissions Liability (01 15 change)

(Edition 01 15)

This endorsement covers liability for other injury caused by the named insured’s negligent acts, errors, or omissions that result from its printing services. Coverage applies to only printing services provided by the named insured’s business. It does not apply to willful acts, plagiarism, copyright infringement, reimbursement of printing costs, and various other exposures.

BP 0734–Lead Liability Exclusion

(Edition 01 04)

This is a mandatory endorsement in some states but not in others. It excludes liability for bodily injury, property damage, and personal and advertising injury arising from any form of lead.

NOTE: Refer to state-specific forms to verify whether mandatory coverage is required in the state where the insured’s coverage is written.

BP 0735–Self-Storage Warehouses

(Edition 01 04)

This endorsement customizes the Businessowners Policy for self-storage warehouse. It limits coverage by excluding customers' property. It extends loss of income coverage to include loss of income from renting space. It includes employee theft of customer property if employee dishonesty coverage is provided. It also provides Customers’ Property Legal Liability Coverage and liability coverage for lockout, sale, removal, or disposal of property.

BP 0736–Exclusion–Abuse or Molestation

(Edition 01 04)

This endorsement excludes bodily injury, property damage, or personal and advertising injury resulting from actual or threatened abuse or molestation of anyone under an insured's care, custody, or control. Additionally, there is no coverage when allegations arise that the named insured improperly managed the person who allegedly committed the abuse or when questions about how the insured responded to the actions or allegations are raised.

BP 0737–Deletion–Volunteer Workers (01 15 change)

(Edition 01 15)

This endorsement deletes all references from volunteer workers as insureds in the Businessowners Policy’s liability coverages.

NOTE: Minor editorial changes were made to better align the updates with the 06 12 BP 100 and BP 200 editions.

BP 0738–Newly Acquired Organizations

(Edition 06 12)

This endorsement was previously Additional Insured–Newly Acquired Organizations and is now titled Newly Acquired Organizations. It adds the named insured's newly acquired or formed organizations as insureds, but only if the named insured who acquires them has a majority interest in them. It does not apply to joint ventures, partnerships, or limited liability companies.

BP 0739–Deletion–Coverage M–Medical Payments–Designated Classification or Premises

(Edition 01 04)

This endorsement removes Coverage M–Medical Payments for the scheduled classification or premises location on the endorsement schedule. Additionally, the Supplemental Payments section is amended to include wording that covers any costs or expenses incurred by the insured for first aid administered to others at the time of an accident to which this coverage applies.

BP 0741–Funeral Directors' Professional Liability Coverage

(Edition 01 15)

This endorsement provides professional liability coverage for bodily injury, property damage, or personal and advertising injury arising because the named insured or its employees either provided or failed to provide professional services that meet the definition of a funeral director, and only if done in connection with the named insured's business.

NOTE: This 01 15 edition is less broad than the prior edition because it defines exactly what the policy considers a funeral director and no longer adds mental anguish to the definition of bodily injury. Negligent hiring, training, and supervising are new exclusions.

BP 0742–Expanded Liquor Liability Exclusion

(Edition 01 04)

This endorsement restricts coverage. It adds two activities that could subject an operation to the liquor liability exclusion. It applies to any entity that furnishes or serves alcoholic beverages for a charge or when the liquor-serving activity necessitates a license.

NOTE: Because this exclusion was not updated with the BP 0816 change, the exclusions for negligence in hiring and acts of omission in transportation remain outside this exclusion, which makes it slightly broader. However, it does not include an explanation regarding alcohol being brought onto the premises. It seems that this lack of update was an oversight.

BP 0743–Expanded Liquor Liability Exclusion–With Exception for Designated Activities (01 15 change)

(Edition 01 15)

This endorsement is identical to BP 0742–Expanded Liquor Liability Exclusion, except that it does not exclude any activities listed on the endorsement schedule from the liquor liability exclusion.

NOTE: The only change is the BP 0816 liquor changes are incorporated into this endorsement. It does not alter the intent of the endorsement but aligns with the current liquor exclusion wording.

BP 0744–Customers' Auto Legal Liability Coverage–Care, Custody or Control Exception

(Edition 01 04)

This endorsement is similar to Garagekeepers Legal Liability Coverage. It covers damages an insured is legally obligated to pay due to property damage to a customer's vehicle while in its care, custody, or control for service, repair, attending, storing, or parking. It is subject to the limits and deductible on the endorsement schedule.

Related Article: CA 99 37–Garagekeepers Coverage

BP 0745–Pollution Exclusion–With Exception for a Short-Term Pollution Event

(Edition 06 12)

This endorsement amends the pollution exclusion to cover short-term pollution events that begin at a specified location during the policy period and completely conclude at a specific time no later than 48 hours thereafter. As a condition of coverage, the named insured must notify the insurance company of the event as soon as possible, but no later than 14 days after it concludes.

BP 0746–Pollution Exclusion–With Exception for Designated Pollutants

(Edition 01 04)

This endorsement amends the pollution exclusion by adding an exception. Coverage applies to injury or damage arising from the pollutants listed on the endorsement schedule. However, coverage applies only if the named insured uses the contaminants in its operations. Coverage does not apply to these pollutants when transported, handled, stored, treated, disposed of, processed as waste, or transported or stored for others.

BP 0747–Aggregate Limits of Insurance per Location

(Edition 01 04)

This endorsement changes the General Aggregate Limit to apply separately to each location the named insured owns or rents, as the endorsement defines location.

BP 0748–Total Pollution Exclusion

(Edition 06 12)

This endorsement removes all exceptions in the pollution exclusion.

NOTE: Under Coverage L exclusions, item j., the term “abate” has been added to the “We do not pay for” section.

BP 0749–Total Pollution Exclusion–With Exceptions for Building Equipment and Hostile Fire

(Edition 06 12)

This endorsement was previously named Total Pollution Exclusion–With Exceptions for Heating Equipment and Hostile Fire. It is identical to BP 0748–Total Pollution Exclusion, except that it does not apply to bodily injury or property damage arising from heat, smoke, or fumes from a hostile fire, or from fumes or vapor produced by heating, cooling, or dehumidifying equipment, or equipment used to heat water.

BP 0750–Certified Terrorism Loss

(Edition 01 15)

This endorsement defines "Certified act of terrorism" and "Certified terrorism loss." It modifies the policy by including a provision that specifies any terrorism exclusion will not apply to a "certified terrorism loss." Furthermore, this endorsement clarifies that the policy's existing exclusions for war, nuclear hazards, or other circumstances remain in effect and are not overridden by this endorsement.

BP 0751–Limited Pollution Liability Extension

(Edition 06 12)

This endorsement modifies the pollution exclusion under Coverage L by removing “at any time” from the first paragraph. This creates a limited pollution liability extension for bodily injury or property damage from heat, smoke, or fumes of an uncontrollable fire. It also includes an exception for liability on property damage due to governmental demands or claims. The coverage is subject to a 12-month aggregate limit.

BP 0752–Limited Fungus and Related Perils Coverage–Changes

(Edition 01 04)

This is a property endorsement. It allows the named insured to select a higher Limited Fungus and Related Perils Aggregate Limit. It also amends the 30-day time limit for Fungus and Related Perils under Loss of Income Coverage Extensions. Revised limits and time periods are recorded on the endorsement schedule.

BP 0753–Amendment of the Definition of Covered Contract

(Edition 01 04)

This endorsement limits the definition of Covered Contract by amending item a.6) to exclude coverage for the sole negligence of an additional insured.

BP 0760–Certified Act of Terrorism Exclusion

(Edition 01 15)

This endorsement defines “Certified Act of Terrorism” and excludes coverage under the property and liability coverage. Additionally, this endorsement clarifies that the policy's existing exclusions for war, nuclear hazards, or other circumstances remain in effect and are not overridden by this endorsement.

BP 0770–Certified Act of Terrorism Exclusion (With Limited Exception)

(Edition 01 15)

This endorsement is similar to BP 0760, except coverage is given back for fire-following losses caused by a “certified act of terrorism.”

BP 0797–Exclusion – Data Breach Liability - Personal and Advertising Injury

(Edition 01 15)

This endorsement can be used in place of mandatory BP 0798. It excludes only personal and advertising injury loss due to data breach liability, which means that bodily injury and property damage losses are covered. An additional premium is required when this endorsement is used.

BP 0798–Exclusion – Data Breach Liability

(Edition 09 21)

This is a mandatory endorsement. It must be attached to all policies, except when the BP 0797 above is purchased. The disclosure of confidential information and any damage to data records are excluded.

BP 0811–Cosmetic Damage Exclusion – Roofing Materials (01 15 addition)

(Edition 01 15)

This exclusion applies only to cosmetic damage to roof materials caused by windstorm or hail. All coverage for damage deemed solely cosmetic is excluded.

BP 0812–Elimination of Insurance-To-Value

(Edition 01 15)

When this endorsement is attached, the requirement that insurance coverage for a property be limited to 80% of its replacement cost at the time of loss for replacement cost valuation to apply is completely removed.

BP 0813–Contaminated Food Coverage

(Edition 01 15)

When a food contamination incident occurs, immediate action is essential. This endorsement covers the costs of clean-up, testing, and vaccinating employees. It also compensates for lost earnings, beginning 24 hours after the incident, and the cost of any food that must be destroyed. Once the named insured is prepared to resume operations, an advertising campaign may be necessary to encourage customers to return. This coverage also includes the expenses for such a campaign. The endorsement must specify the scheduled building, location, and limits for contaminated food and any additional advertising expenses.

BP 0814–Amendatory Endorsement – Motels

(Edition 01 15)

This mandatory endorsement is required for all motel risks. It excludes coverage for the named insured's interest in property belonging to others in their care, custody, or control. However, a new liability coverage has been added, providing up to $25,000 for guests' property, with a limit of $1,000 for any motel guest. Additionally, the endorsement includes coverage for the named insured's property within the motel rooms and limited lock replacement coverage.

BP 0815-Liability Coverage for Motel Guests’ Property in Safe Deposit Box

(Edition 01 15)

This endorsement applies solely to motels. It offers coverage for guests' property placed in safety deposit boxes that are not accessible to the public and are not in the guests’ rooms. This constitutes liability coverage, and most liability exclusions still apply.

BP 0816–Policy Amendatory Endorsement

(Edition 01 15)

This mandatory endorsement revises many provisions in the BP 0100 and BP 0200. For a complete analysis, see the related article below.

Related Article: Amendatory Policy Endorsement

BP 0817–Processing or Production Operations Exclusion – Rental Units

(Edition 01 15)

This is a mandatory endorsement for any policy issued to a tenant or an owner of rental units. Any damage resulting from a substance being released during a processing or production operation is excluded. While this was developed due to “meth-labs,” it is a far-reaching endorsement that applies to any such damage, regardless of whether the production or processing is legal and whether it was agreed to in the lease.

BP 0818–Roofing Materials – Actual Cash Value Loss Settlement

(Edition 01 15)

The policy's valuation section has been revised to classify roofing material under actual cash value valuation rather than replacement cost. This valuation applies regardless of the peril.

BP 0819–Windstorm or Hail Losses to Roofing Material – Actual Cash Value Loss Settlement

(Edition 01 15)

This is identical to BP 0818 above except that it applies only when the peril causing the loss is windstorm or hail.

BP 0820–Windstorm or Hail Exclusion

(Edition 01 15)

This endorsement excludes losses due to windstorm or hail entirely. The only exception is when the windstorm or hail results in a covered peril. Damage from that covered peril would be covered, but not the hail or windstorm damage.

BP 0821–Pharmacists’ Professional Liability Coverage – Limited

(Edition 01 15)

This is a more limited version of the BP 0718–Pharmacists' Professional Liability Coverage – Broad endorsement. It provides professional coverage for only the handling or selling of drugs and the providing of vaccinations. No other pharmacist services are covered.

BP 0822–Salon Services’ Liability Coverage

(Edition 01 15)

This endorsement provides liability coverage for bodily injury, property damage, or other injuries that arise because salon services were rendered or not rendered. “Salon Services” is included as an additional definition and refers to a very narrow range of services typically provided by barbers and hairstylists. The services covered include cutting, conditioning, dyeing, shampooing, shaving, styling, and hair trimming, along with any advice, instruction, or consultation related to these services. Negligent hiring, training, and supervision are excluded.

BP 0838–Silica Exclusion

(Edition 10 05)

This endorsement defines silica and excludes all liability exposures of silica and silica-related dust.

BP 0839–Asbestos Exclusion

(Edition 10 05)

This endorsement excludes coverage for liability exposures associated with asbestos and asbestos-related products.

BP 0841–Additional Insured–Designated Person or Organization

(Edition 05 18)

This endorsement adds the person or organization named in the schedule as an additional insured. Coverage applies only if the named insured’s acts or omissions relating to its premises or ongoing work in any way caused the injury or damage. Actions or omissions by a party that acts on the named insured’s behalf and relates to the named insured’s premises, ongoing work, or other designated interests are also covered.

The "How Much We Pay" section specifies that the policy will pay the lesser limit required in any contract or agreement, or the available limit stated in the declaration.

BP 0842–Additional Insured–Lessor of Leased Equipment

(Edition 05 18)

This endorsement provides liability coverage for the organization or person that leases equipment to the named insured. Coverage applies only for injury or damage that the named insured causes by maintaining, operating, or using the leased equipment in any way.

The "How Much We Pay" section specifies that the policy will pay the lesser limit required in any contract or agreement, or the available limit stated in the declaration.

BP 0843–Additional Insured–Engineers, Architects, or Surveyors

(Edition 05 18)

This endorsement adds any engineer, architect, or surveyor the named insured engages as an insured. Coverage applies only if the named insured’s acts or omissions relating to its premises or ongoing work in any way caused the injury or damage. Actions or omissions by a party that acts on the named insured’s behalf relating to the insured’s premises, ongoing work, or other designated interests are also covered. Professional services are not covered.

The "How Much We Pay" section specifies that the policy will pay the lesser limit required in any contract or agreement, or the available limit stated in the declaration.

BP 0844–Coverage C–Loss of Income–Without a Waiting Period

(Edition 01 15)

This endorsement eliminates the 72-hour waiting period for the restoration period to begin after direct physical loss or damage for Loss of Income Coverage. It also removes the 72-hour waiting period for the Interruption of Civil Authority Coverage Extension and the Earnings from Dependent Locations coverage.

NOTE: The changes in the 01 15 edition are editorial, matching those introduced in the BP 0816.

BP 0845–Additional Insured–Lessor of Premises

(Edition 05 18)

The endorsement adds the entity to the endorsement schedule as an additional insured, but only as the lessor of the premises listed on the endorsement schedule that the named insured leases. Coverage applies solely to the named insured’s liability for damages resulting from injury or damage caused by its acts or omissions. This also includes acts or omissions of others who work on behalf of the named insured for the portion of the premises that the party leases to the named insured.

The "How Much We Pay" section specifies that the policy will pay the lesser limit required in any contract or agreement, or the available limit stated in the declaration.

BP 0847–Coverage C–Loss of Income–Ordinary Payroll Limitation

(Edition 06 12)

This endorsement limits ordinary payroll expenses to the number of days on the schedule. It also lists exemptions for specific employees or job classifications.

BP 0848–Additional Insured – Building Owner

(Edition 01 15)

This property endorsement can be used to designate the building owner specified in the endorsement as an additional insured. Any property loss must be adjusted with the named insured and the building owner.

BP 0858–Exclusion–Communicable Disease

(Edition 09 09)

This endorsement excludes direct or indirect bodily injury, property damage, or personal and advertising injury resulting from the alleged or actual transmission of communicable diseases by people, an insured's property and products, or property of others in its care, custody, or control. It also excludes loss, cost, or expenses arising from any requirement resulting from communicable diseases or conditions attributed to those diseases.

BP 0859–Exclusion–Communicable Disease–Limited Products Exception

(Edition 09 09)

This endorsement is identical to BP 0858–Exclusion–Communicable Disease, except that it does not apply to the alleged or actual transmission of a communicable disease by any product intended for consumption by or to be topically applied to animals or humans.

BP 0868–Cross Liability Exclusion–Injury to Certain Insureds

(Edition 0612)

This is a liability endorsement. It excludes bodily injury and personal or advertising injury to the insureds who receive their status as insureds based on the type of business listed on the declarations.

NOTE: This means there is no coverage if one partner sues another partner or if a stockholder sues an executive officer.

CL 0342–Equipment Breakdown Reinstatement

(Edition 01 05)

This endorsement applies to the optional coverage of the Equipment Breakdown. It reinstates coverage for the specified equipment at the location listed on the endorsement schedule that was suspended due to being in (or exposed to) a dangerous condition or situation.