MSO BUSINESSOWNERS POLICIES AVAILABLE ENDORSEMENTS AND THEIR USES

(May 2026)

INTRODUCTION

This list identifies endorsements that can be added to modify the Mutual Service Office (MSO) Businessowners Policies. It is organized by form number and title, with a short description of each endorsement and its purpose. The list does not include any terrorism-related forms or endorsements, or state-specific endorsements, changes, or amendments. Except as otherwise provided in each endorsement, all other policy provisions remain the same.

FORM NUMBERING

The ten-digit numbering sequence of MSO forms and endorsements has a very specific meaning:

• The first two entries are letters that indicate the line of insurance involved, such as BU for Businessowners Policy.
• The following four digits represent the form or endorsement number.
• The final four digits represent the form or endorsement's edition date in month and year format.

MSO BUSINESSOWNERS POLICY ENDORSEMENTS

PART I–Business Property and Loss of Income

BU 0142–Green Upgrade Supplemental Coverage – Part I

(05 23 edition)

This endorsement can only be added if the policy is on a replacement cost basis. It allows upgrades of non-green property to green property in accordance with the Green Authority standards. The percentage listed on the schedule determines the coverage limit for Increased Costs and Green Building expenses. Definitions of green and green authority are included.

BU 0179–Premises Theft and Robbery Outside the Premises Crime Coverage (Form H) – Part I

(09 07 edition)

This endorsement applies to property other than money and securities. Theft coverage applies while the property is on premises. Robbery coverage applies when the property is off premises. A limit must be entered on the declarations. Additional exclusions, conditions, and definitions apply.

NOTE: BU 0320 – Crime Provisions – Part I must be attached when this endorsement is used.

BU 0184–Fungi / Mold Limited Coverage – Part I

(01 20 edition)

This endorsement provides limited coverage for the cost to remove fungi, pays for loss caused by fungi, and pays the costs to test for fungi resulting from a covered cause of loss. The limit of liability must be entered in the space provided on the endorsement schedule.

BU 0185–Building Code / Law Coverage – Blanket Insurance Condition – Part I

(01 20 edition)

This endorsement sets the coverage limits and amends the coverage for item A of the Building Code/Law Coverage in Part I B – Supplemental Coverage. It is only applicable when coverage is written on a blanket basis. The coverage amount is calculated by applying the relevant factor to the replacement cost under Coverage A for the property that suffered the covered loss. Without this endorsement, the blanket amount listed on the Declarations would determine the coverage available for building code/law updates, even if only one premises was affected.

BU 0186–Premises Burglary Crime Coverage (Form E) – Part I

(09 07 edition)

This endorsement applies to property other than money and securities. It provides coverage for burglary and robbery of a watchperson while the property is on the premises. Additional exclusions, conditions, and definitions apply. BU 0320 must be attached when using this endorsement.

BU 0231–Business Income–Off Premises Loss of Utility Service Coverage – Part I

(06 11 edition)

This endorsement provides loss of business income coverage for the scheduled premises if any of the described utility services sustains a covered direct damage loss and causes the scheduled premises to lose service. Coverage applies only to the premises described in the endorsement schedule. A 12-hour waiting period applies. There is no separate limit of insurance.

BU 0233–Loss Payee – Contract of Sale – Part I

(01 09 edition)

This endorsement is used to establish a payment method for others with an insurable interest in the covered property. The Designated Person or Organization must be listed on the schedule, along with their mailing address, next to the description or location of the covered property. It also adds language to include the Loss Payee of this endorsement in the Other Insurance Common Condition.

BU 0236–Loss Payee–Lenders Loss Payable – Part I

(11 12 edition)

This endorsement provides the loss payees listed on the endorsement schedule with important policy rights that apply even if the named insured fails to meet its policy obligations. However, the insurance company is not required to send the loss payee cancellation or non-renewal notices. The Designated Person or Organization must be listed on the schedule, along with their mailing address, next to the description or location of the covered property.

BU 0242–Protective Safeguards–Hood and Duct Protection – Part I

(01 20 edition)

This endorsement restricts fire coverage at the specified location(s) or building(s) listed on the endorsement schedule if the hood and duct protection system is not functioning properly and the insurance company is not notified. Even if the insurance company is notified, it can still use this endorsement to suspend coverage.

It means without exception that all cooking appliances, hoods, and ducts must be in proper working order at all times, with a fixed automatic fire extinguishing system and a method for removing caustic agents, fluids, or grease. These systems must be properly installed, regularly maintained, and inspected according to local codes, NFPA standards, and jurisdictional regulations.

BU 0249–Actual Cash Value Loss Settlement – Roof Covering – Part I

(01 21 edition)

This endorsement is used to limit coverage for roof coverings to Actual Cash Value when damage occurs due to wind or hail. It modifies the “How Losses Are Settled” condition and includes the definition of Roof Covering in the Common Glossary under Parts I and II.

BU 0250–Loss Payee – Part I

(11 01 edition)

This endorsement lists loss payees and, by way of the endorsement schedule, specifies the property in which it has an interest. It states that any loss payment related to such property must include the loss payee.

BU 0251–Windstorm and Related Damage Deductible – Part I

(01 20 edition)

This endorsement replaces the deductible shown in the Declarations with the deductible shown on the endorsement schedule for losses caused by windstorm and related losses affecting both the inside and the outside of the building and business personal property.

BU 0252–Windstorm or Hail Percentage Deductible – Part I

(07 20 edition)

This endorsement adds a percentage deductible to the policy for losses caused directly or indirectly by windstorm or hail, including related losses affecting both the inside and the outside of the building and business personal property. The available deductible percentages are 1%, 2%, or 5%.

BU 0260–Functional Replacement Condition–Coverage A – Part I

(01 20 edition)

This endorsement changes the designated premises limit of liability to functional replacement value. The value is determined by specific conditions, such as repairing the building damage with a less costly material or replacing the building with a less costly one that serves the same function. It can reduce the insurance limit required for such buildings, thereby lowering the premium cost. Additional conditions apply.

Related Article: Functional Property Valuations. This article is based on Insurance Services Office (ISO) forms. However, the concept is the same.

BU 0261–Functional Replacement Condition–Coverage B – Part I

(01 20 edition)

This endorsement changes the designated property limit of liability to reflect functional replacement value. The value is based on conditions such as repairing, replacing, or restoring the covered property using similar items available at lower cost, or on expenses actually paid to repair, replace, or restore the property. This can lead to a lower insurance limit and reduced premium costs. Additional conditions apply.

Related Article: Functional Property Valuations. This article is based on Insurance Services Office (ISO) forms. However, the concept is the same.

BU 0263–Agreed Value Condition – Part I

(01 01 edition)

The covered property shown on the endorsement schedule is adjusted based on the scheduled agreed value instead of replacement cost or actual cash value.

BU 0265–Vacancy / Unoccupancy Extension – Part I

(01 03 edition)

The designated premises shown on the endorsement schedule is not subject to the policy's standard vacancy restrictions during the dates specified on the endorsement.

BU 0272–Forgery or Alterations Crime Coverage (Form B) – Part I

(01 20 edition)

This endorsement provides crime coverage for covered instruments, including cases of forgery or alteration of, on, or in any covered instrument. The limit must be specified on the endorsement, and BU 0320 must be attached when this endorsement is used. Additional exclusions, conditions, and definitions apply.

BU 0281–Peak Season – Part I

(01 03 edition)

This endorsement is used to add peak season coverage to Coverage B—Business Personal Property. The scheduled amount for BPP at the designated location is added to the insurance limit available, but applies only to losses occurring within the scheduled time period.

NOTE: The amount of insurance is an additional amount and not a replacement of the limit of insurance.

BU 0282–Employee Dishonesty – Part I

(01 03 edition)

This endorsement adds Employee Dishonesty Coverage for losses resulting from an employee's dishonest act. The dishonest act can involve money, securities, and/or other property. The coverage limit must be scheduled on the endorsement and is applicable across all locations. BU 0320 – Crime Common Provisions must be attached when this endorsement is used.

BU 0320–Crime Common Provisions – Part I

(01 20 edition)

(Use with BU 0179, BU 0186, BU 0272, BU 0282)

This endorsement provides the Crime Provisions for the listed crime forms. It includes additional common exclusions, conditions, and definitions.

BU 0370–Computer Coverage – Part I

(01 20 edition)

This endorsement adds direct damage and extra expense coverage for computers. Coverage can apply to all data processing equipment or to specific items. Many BOP exclusions are eliminated for these items, but the computer virus and hacking exclusion still applies. The deductible is eliminated and not replaced by another. This is an extension of coverage B. Any item covered by this endorsement is not covered under the BOP Coverage A or C.

NOTE: There are two options for covering computers: cover all data processing equipment and components, or specifically schedule the items on the endorsement. It’s one or the other, not both.

BU 0375–Indoor Glass Breakage Coverage – Part I

(01 20 edition)

This endorsement adds indoor glass breakage on property used in the insured's business. Indoor glass includes items such as counters, display cases, panels, partitions, refrigerators, cooler cases, shelves, showcases, and table and desk tops. A specific liability limit must be scheduled, and if a deductible other than $200 is desired, it should also be indicated in the schedule.

BU 0380–Earthquake Coverage – Part I

(01 03 edition)

This endorsement adds earthquake and volcanic activity as additional covered causes of loss for all property coverages.

· Coverages A and B are subject to the deductible factor shown on the endorsement schedule.

· Coverage C is subject to a 168 consecutive-hour deductible if the damaged building is more than five stories tall.

No earthquake coverage applies unless this endorsement was on the policy or its predecessor for at least 168 hours prior to the earthquake.

BU 0520–Property Not Covered – Part I

(01 03 edition)

Any property listed on this endorsement is not covered. When this endorsement is used, the listing must be precise and explicit to prevent confusion in the event of a loss.

BU 0521–Theft Exclusion – Part I

(01 03 edition)

This endorsement removes business personal property and money and securities for loss due to theft.

BU 0522–Outdoor Building Glass Coverage Deductible – Part I

(01 03 edition)

This endorsement is used to add a deductible to outdoor building glass. A $200 deductible applies, but it can be changed in the schedule.

BU 0523–Building Code / Law Supplemental Coverage Exclusion – Part I

(01 03 edition)

This endorsement deletes Part I B–Supplemental Coverages 3. Building Code/Law Coverage.

BU 0526–Business Personal Property Limitation – Part I

(01 03 edition)

Under Part I A – Main Property Coverages, Coverage B—Business Personal Property, Paragraphs A, B, and C, are replaced as follows:

A. is now limited to equipment, fixtures, and furniture owned by the named insured and usual to their described business /operations.

B. is now Tenant’s and improvements and betterments coverage.

C. Coverage for property of others in the named insured’s care, custody, and control is eliminated

BU 0527–On Premises Money and Securities Coverage–Reduced Limit when Premises Closed for Business – Part I

(07 01 edition)

The coverage limit for money and securities on the declarations is reduced to the scheduled limit specified in this endorsement. This new limit applies only when the building is closed for business and no one except a custodian is on site. Custodian is an added definition.

BU 0528 Building Glass Limited Coverage for Vandalism – Part I

(01 20 edition)

This endorsement is used to reduce the coverage limit for building glass when a loss is caused by vandalism. The limit per occurrence is $1,000, with a limit of $100 per pane or unit.

BU 0529 Cyber Event Exclusion – Part I

(11 22 edition)

This endorsement is used to exclude losses arising out of a cyber event. A cyber event can include an attempt to corrupt, damage, deny access, destroy, exploit, or infiltrate a communication system, a computer, a computer network or system, and includes many types of computer applications and devices.

BU 1001–Protective Safeguards–Automatic Sprinkler System – Part I

(01 03 edition)

This endorsement suspends fire coverage at the designated premises when the automatic sprinkler systems are not operational. The suspension applies only to the specific location and does not impact the overall policy.

NOTE: It's essential for the insured to realize this endorsement's name provides no advantage if their sprinkler system isn't working or properly maintained. Its purpose is to shield the insurance company from having to cover claims related to a non-operational system. The insurer doesn't gain anything from offering a significant premium discount if the insured neglects to properly maintain the fire protection system.

BU 1002–Protective Safeguards–Automatic Fire Alarm – Part I

(01 03 edition)

This endorsement suspends fire coverage at the designated premises when the automatic fire alarm is not operational. The suspension applies only to the specific location and does not impact the overall policy.

NOTE: It is crucial for the insured to understand that the endorsement's name provides no benefit to them if their automatic fire alarm isn't functioning or properly maintained. Its main goal is to protect the insurance company from having to pay claims related to a non-working system. The insurer doesn't benefit from providing a large premium discount when the insured fails to properly maintain the automatic fire alarm protection system.

BU 1003–Protective Safeguards–Premises Burglar Alarm – Part I

(01 03 edition)

This endorsement suspends coverage for burglary at the designated premises when the premises burglar alarm is not operational. The suspension applies only to the specific location and does not impact the overall policy.

NOTE: The endorsement's name offers no benefit to the insured if the burglar alarm isn't working or properly maintained, as its purpose is to prevent the insurer from covering claims related to a non-operational system. The insurer gains no advantage from a premium discount if the alarm is neglected.

BU 1009–Protective Safeguards

(01 03 edition)

This endorsement suspends coverage for the designated premises, the protective safeguard described, and the cause of loss shown on the endorsement schedule when the listed protective safeguard is not in proper working condition.

NOTE: This single endorsement can be used in place of BU 1001, BU 1002, BU 1003, and BU 0242.

PART I–Condominium

BU 0283–Commercial Condominium Loss Assessment Coverage – Part I

(01 03 edition)

This endorsement is used to add coverage for loss assessments made against the named insured unit-owner. The assessment must result from a covered cause of loss. The Description and Location of Units, along with the Limit of Liability, must be scheduled. However, only $1,000 is available to pay an assessment due to the association’s deductible.

BU 0284–Commercial Condominium Improvements Coverage for Unit Owners – Part I

(01 03 edition)

This endorsement is used to add certain unit-owners' property to be included under Coverage B – Business Personal Property. Improvements and betterments in condominiums are considered business personal property and may include items installed or acquired at the insured's expense, such as permanent fixtures, alterations, appliances, decorations, and other similar enhancements. These items can be integrated into the structure and located within the unit.

BU 0285–Commercial Condominium Improvements and Association Property Coverage for Unit Owners – Part I

(01 03 edition)

This is the same as BU 0284, except that coverage is also extended to any items within the unit that, by the agreement, must be insured by the unit owner.

BU 0286–Condominium Coverage for Condominium Associations (Parts I and II)

(10 20 edition)

This endorsement modifies coverage to meet the needs of condominium associations. It covers the provisions of Parts I and II. It should be mandatory for any condominium association.

BU 0290–Commercial Condominium Original Improvements Coverage for Unit Owners

(01 03 edition)

This endorsement is used to extend Coverage B—Business Personal Property to property initially installed prior to the insured’s ownership or replaced by the insured unit-owner or tenant. These improvements are considered business personal property, not improvements and betterments.

Part II–Liability

BU 0120–Vacant Land – Part II

(01 03 edition)

This endorsement extends liability coverage to vacant land shown on the schedule.

BU 0132–Perfluoroalkyl and Polyfluoroalkyl Substances (PFAS) Exclusion – Part II

(06 21 edition)

This endorsement clarifies that pollutants include PFAS and updates the Common Glossary Parts I and II.

BU 0139 Deductible Insurance – Property Damage Liability – Part II

(05 20 edition)

This endorsement is used to add a deductible for all property damage liability, however caused. The deductible can apply per claimant, per occurrence, or both. The insurance company may settle a claim or suit and pay the deductible. If this is the case, the insured will need to promptly reimburse the insurance company for the deductible paid.

NOTE: While the 05 20 edition states that Bodily Injury Liability is included, a new edition will soon be released that removes bodily injury from any description. This endorsement is for Property Damage Liability only.

BU 0140–Hired/Non-Owned Automobile Liability – Part II

(01 20 edition)

This endorsement replaces Part II B–Supplemental Coverages 3. Employers Liability for Nonowned Automobile Coverage. It extends liability coverage to include hired autos. It redefines insured, adds a definition of hired automobile, and removes, adds, and restates exclusions that apply.

BU 0143–Data Breach Exclusion (withdrawn)

(01 19 edition)

This exclusion has been withdrawn because the wording was added to the policy.

BU 0166–Volunteer Firefighters Injury Exclusion – Part II

(01 20 edition)

This endorsement excludes coverage for bodily injury or property damage caused by volunteer firefighters. It applies whether the volunteers are part of the insured organization or not, and while performing these duties.

BU 0170–Athletics / Sports Participant Exclusion – Part II

(01 20 edition)

This endorsement is used to exclude bodily injury to any person while practicing or participating in sports or athletic contests or exhibitions sponsored by the insured, related to the operations described on the endorsement schedule.

BU 0177–Computer Software Professional Activities Exclusion – Part II

(09 07 edition)

This endorsement is used to exclude professional activities related to computer software. Bodily injury or property damage from advice, products, or services related to internet access, website design, or software, such as data processing, downloads, manuals, and instructions, is not covered. Providing or failing to provide such advice, products, or services, along with related specifications, manuals, and instructions, is also excluded.

BU 0178–Exterior Insulation and Finish System Exclusion – Part II

(09 07 edition)

This endorsement is used to exclude any injury or occurrence arising from any aspect of Exterior Insulation and Finish Systems (EIFS).

BU 0180–Real Estate Agents/Brokers – Part II

(01 20 edition)

This endorsement limits liability coverage under this policy to the general office premises of real estate agents or brokers and the premises of the listed property. Coverage for the listed property applies only when it is being sold or rented. It does not include properties that are owned, managed, or in the care, custody, or control of the named insured.

BU 0181–Sexual Abuse or Sexual Misconduct Exclusion – Part II

(09 07 edition)

This endorsement is used to exclude any coverage related to actual or threatened sexual abuse. It also excludes coverage for the perpetrator and for any failures in administration or supervision that might have prevented the incident.

BU 0182–Sexual Abuse or Sexual Misconduct Limited Liability – Part II

(09 07 edition)

This endorsement uses the wording from BU 0181 above but then provides limited coverage for an insured's vicarious liability, including negligent supervision. It is subject to the sublimits for Each Person and General Aggregate/Total Limit on the endorsement schedule.

BU 0188–Aggregate/Total Limit–Per Project – Part II

(09 07 edition)

This endorsement is used to broaden coverage by applying the Aggregate/Total Limit per project rather than across the entire policy. This means that if the named insured has 12 projects per year, there are 12 separate aggregates. Without the endorsement, there is only one aggregate over all projects.

BU 0189–Aggregate/Total Limit–Per Location – Part II

(09 07 edition)

This endorsement is used to broaden coverage by applying the Aggregate/Total limit per location rather than across the entire policy. This means if the named insured has 12 locations, there are 12 separate aggregates. Without the endorsement, there is only one aggregate over all locations.

BU 0191–Incidental Professional Liability – Part II

(01 03 edition)

This endorsement is used to provide professional coverage related to the insured’s business or operations as described in the Declarations. It should only be used only if a more specific professional liability endorsement is unavailable. The endorsement includes exclusions and details as to what professional liability includes.

BU 0192–Optical/Hearing Aid Services Professional Liability – Part II

(01 03 edition)

This endorsement is used to extend liability coverage to hearing aid or optical stores. However, there are specific exclusions included that should be carefully observed, such as ophthalmology or optometry services, or unlicensed practitioners.

BU 0193–Barber or Beauty Shop Professional Liability – Part II

(01 20 edition)

This endorsement is used to extend liability coverage to the professional liability of barber and beauty shops. It includes the liability for individuals (and their employees) who rent space or chairs from the named insured. However, it does not cover certain spa treatments, such as plastic surgery, massage, tanning, facelifts, and electrolysis.

BU 0194–Druggists’ Professional Liability – Part II

(01 03 edition)

This endorsement is used to extend professional liability coverage to druggists related to the named insured retail drug store. The endorsement includes exclusions and details as to what professional liability includes.

BU 0195–Funeral Directors’ Professional Liability – Part II

(01 03 edition)

This endorsement broadens liability coverage to include the professional liability of funeral directors. It covers property damage as it relates to the deceased’s body, possessions, and other items under the funeral directors’ care, custody, and control. Additionally, it expands the definition of bodily injury to include mental anguish, even if not associated with physical injury.

BU 0196–Veterinarians’ Professional Liability – Part II

(01 03 edition)

This endorsement is used to extend professional liability coverage to veterinarians. It includes several exclusions and sets a $1,000 limit for loss of any one household pet under the practice’s care, custody, or control. All losses in a single incident are subject to a $100 deductible. Additionally, the definition of "household pets" is added.

BU 0197–Liquor Law Liability for Package Stores

(01 20 edition)

This endorsement is used to provide liquor liability coverage to package liquor stores. It includes additional exclusions, such as unlicensed operations.

BU 0202–Waiver – Designated Persons / Organizations – Part II

(01 20 edition)

This endorsement is used to allow the named insured to waive certain rights of recovery against others. The waiver applies only to the person or organization named on the schedule.

BU 0205–Knowledge/Notice of an Injury or Occurrence – Part II

(09 07 edition)

This endorsement is used to change the notice requirement in Part II D–Special Liability Conditions, Duties of Insureds. It states that an occurrence is only considered known once the named insured becomes aware of it. Additionally, the insurance remains valid even if any of the named insured’s employees or agents fail to notify the named insured about an occurrence they knew about.

BU 0300–Additional Insured–Volunteers – Part II

(09 07 edition)

This endorsement modifies the definition of 'insured' to include volunteers while performing their duties for the named insured. However, there are exclusions, such as it excludes coverage for bodily injury to the named insured, co-volunteers, or employees while they are on duty. If the insured is a partnership or joint venture, these exclusions also apply to any partner or member.

BU 0301–Additional Insured–Charitable Institutions – Part II

(09 07 edition)

This endorsement extends coverage to members of charitable institutions as insureds when they are performing their duties for the organization. Trustees and board members are also covered while fulfilling their responsibilities in their official capacity.

BU 0302–Additional Insured–Churches – Part II

(12 07 edition)

This endorsement adds members of churches as insureds while they perform duties on behalf of the church. Trustees, clergy, and board members are also covered when working within their official roles. Volunteers are also considered insureds, although there are certain restrictions.

BU 0303–Additional Insured–Condominium Unit Owners – Part II

(09 07 edition)

This endorsement adds individual unit-owners of the insured condominium association as insureds, but only with respect to liability arising from any aspect of parts of the premises that are not for the unit-owner’s exclusive use.

BU 0304–Additional Insured–Townhouse Associations – Part II

(09 07 edition)

This endorsement adds individual townhouse unit-owners of the insured townhouse association as insureds, but only with respect to liability arising from any aspect of the premises that is not for the unit-owner’s exclusive use.

BU 0309–Additional Insured–Permits – Part II

(09 07 edition)

This endorsement adds the name of the state and/or the political subdivisions shown on the endorsement as insureds, but only with respect to operations for which permits are issued by those entities.

BU 0315–Additional Insured–Concessionaires – Part II

(09 07 edition)

This endorsement adds concessionaires listed on the endorsement as insureds, but only for liability arising from their status as concessionaires of the named insured.

BU 0316–Additional Insured–Vendors – Part II

(09 07 edition)

This endorsement adds the vendors listed on the endorsement as insureds, but only for liability related to the named insured's products specified on the endorsement. It is a limited additional insured and does not cover any operations the vendor might perform with the product or any changes the vendor might make to the product.

BU 0318–Additional Insured – Club Members – Part II

(01 20 edition)

This endorsement adds the club members of the named insured as insureds, but only for their liability arising from the named insured's activities or actions undertaken on the named insured's behalf.

BU 0321–Additional Insured–Executors – Part II

(09 07 edition)

This endorsement can be used when the named insured is an individual. The named insured’s executor, administrator, beneficiary, or trustee is considered an insured during the performance of their respective duties as such.

BU 0327–Additional Insured–Appointed / Elected Officials – Part II

(01 20 edition)

This endorsement adds appointed and elected officials as insureds while they are performing their duties. However, a restriction applies: land vehicles designed for public road use are classified as automobiles, even if they are used solely for maintaining the named insured’s streets and roads.

BU 0328–Blanket Additional Insureds–Contractors / Lessees / Owners – Part II

(09 07 edition)

This endorsement adds any person or organization that the named insured has agreed to add as an additional insured through a written contract or agreement. Contractors, lessees, or owners are automatically an insured if there is a contractual requirement to add them. This coverage applies to premises and operations but does not extend to products or completed operations.

NOTE: This is excess coverage over any policy on which a person or entity considered on this endorsement as an additional insured is the named insured.

BU 0330–Volunteers and Donated Labor Medical Payments – Part II

(01 20 edition)

When BU 0300 is attached to a policy, volunteers become insureds, and because they are insured, they are not covered for Coverage F-Medical Payments. This endorsement should be used to change Coverage F so that volunteers continue to be covered.

BU 0335–Additional Insured – Contractors / Lessees / Owners – Primary and Non-contributory Liability Basis – Part II

(09 12 edition)

This endorsement adds an individual or organization on a primary non-contributory basis if the named insured has agreed to add them as an additional insured through a written contract or agreement, and they are shown on the endorsement schedule. This endorsement covers the named insured’s work for the specified entity but does not include products or completed operations. It acts as primary and non-contributory coverage only if explicitly stated in the contract; otherwise, it serves as excess coverage over any other policy for which a person or entity considered an additional insured under this endorsement is the named insured.

NOTE: Compared to other rating bureaus, neither ISO nor AAIS uses excess coverage wording in their additional insured endorsements.

BU 0336–Blanket Additional Insureds – Contractors / Lessees/ Owners – Primary and Non-contributory Liability Basis – Part II

(09 12 edition)

This endorsement adds an individual or organization on a primary non-contributory basis if the named insured has agreed in writing to include them as an additional insured. This coverage applies to the named insured’s work for that entity, but not to any products or completed operations. Since this is blanket coverage, the person or entity does not need to be specifically scheduled on the endorsement. However, the coverage will be primary and non-contributory only if the contractual requirement states so; otherwise, it acts as excess coverage over any other policy in which the person or entity is the named insured.

NOTE: This is almost identical to BU 0328 above, except that the coverage is primary only if required by contract.

BU 0337–Blanket Additional Insureds – Contractors / Lessees / Owners – Primary and Non-contributory Liability Basis Including Products / Completed Operations – Part II

(01 20 edition)

This endorsement automatically adds any contractor, lessee, or owner as an insured if there is a contractual obligation to do so. This applies to the named insured’s work and completed operations for that entity. The operations coverage provided is primary and non-contributory only if the contract requires it. Otherwise, the operations coverage is excess coverage over any policy on which a person or entity considered an additional insured under this endorsement is the named insured. The completed operations coverage is always excess.

NOTE: This is almost identical to BU 0336 above, except that it provides excess coverage for completed operations.

BU 0338–Additional Insureds – Contractors / Lessees / Owners – Primary and Non-contributory Liability Basis Including Products / Completed Operations – Part II

(01 20 edition)

This endorsement adds any designated contractor, lessee, or owner shown on the endorsement schedule as an insured, provided there is a contractual obligation to add them. This applies to the named insured’s work and completed operations for that entity. The operations coverage is primary and non-contributory only if the contract requires it. Otherwise, the operations coverage is excess coverage over any policy on which a person or entity considered an additional insured under this endorsement is the named insured. The completed operations coverage is always excess.

NOTE: This is almost identical to BU 0335 above, except that it includes excess coverage for completed operations.

BU 0339–Additional Insureds – Landlords – Primary and Non-contributory Liability Basis – Part II

(01 20 edition)

This endorsement adds any designated entity scheduled on the endorsement as an insured if there is a contractual obligation to add them. This applies to the scheduled premises while the named insured is leasing it. The coverage provided is primary and non-contributory only if the contract requires it. Otherwise, this is excess coverage over any policy on which a person or entity considered on this endorsement as an additional insured is the named insured.

BU 0350–Additional Insured–Supplemental Declarations – Part II

(09 07 edition)

This supplemental declarations is used when there is insufficient space to list all additional insureds on a specific endorsement schedule. The endorsement number or designation, designated additional insureds, and any relevant information or remarks should be entered in the designated fields on the schedule.

BU 0422–Liquor Liability – Part II

(09 07 edition)

This endorsement is used to add liquor liability coverage to any policy. A Schedule Limit of Liability is required for Each Occurrence and for the General Aggregate or Total Limit. The endorsement provides coverage when an insured violates a law, ordinance, or regulation regarding the distribution, gift, sale, or use of alcohol, or when an insured provides alcohol to a person under the legal age to consume alcohol. Defense is provided according to the provisions of Supplemental Coverage 1, Part II B. Additional Exclusions and Conditions apply.

BU 0427–Condominium Association Directors’ and Officers’ Liability – Part II

(09 07 edition)

This endorsement adds claims-made directors and officers liability coverage for condominium association directors and officers when performing their duties. This coverage is excess over other valid, collectible insurance. The coverage limits are entered on BU 0428–Condominium Association Directors’ and Officers’ Liability–Supplemental Declarations.

BU 0428–Condominium Association Directors’ and Officers’ Liability–Supplemental Declarations

(09 07 edition)

This supplemental declaration is used in conjunction with BU 0427–Condominium Association Directors’ and Officers’ Liability. It includes spaces for the each claim and aggregate limits, the number of units, premium, deductible, and retroactive date.

BU 0429–Unlimited Extended Reporting Period

(01 20 edition)

This endorsement is used only when claims-made coverage is part of the policy. It replaces the policy's automatic 12-month extended reporting period with an unlimited extended reporting period, subject to the premium charge shown on the endorsement schedule.

NOTE: The change from 12 month to unlimited does not include any increase in the limit of insurance.

BU 0434–Printers Errors and Omissions Liability – Part II

(09 07 edition)

This endorsement is used to provide coverage for errors or omissions in the provision of printing services. This is for printing only and does not extend to copyright infringement or any publishing activities. Additional Conditions and Exclusions apply. A limit of insurance is needed on the declarations for coverage to apply.

BU 0435–Real Estate Property Managers

(09 07 edition)

This endorsement is used to add liability coverage for the named insured's real estate property management activities. However, it excludes property damage to any property the named insured manages, collects rent for, or supervises. Coverage is excess over any other valid and collectible insurance available to the named insured.

BU 0459–Unmanned Aerial Vehicles / Drones Limited Coverage – Part II

(05 16 edition)

This endorsement adds limited liability coverage for UAVs and Drones, covering damages for bodily injury, property damage, or medical payments if the insured becomes legally responsible. This coverage applies when the UAV or Drone is operated by the named insured or their employees during the named insured's business activities. The endorsement schedule must specify a General Aggregate/Total Limit, Description of the UAVs or Drones, and a description of the operations. Additional exclusions apply, and the definition of UAV is added.

BU 0460–Unmanned Aerial Vehicles / Drones Limited Coverage – Part II

(05 16 edition)

This endorsement adds limited liability coverage for UAVs and Drones, covering damages for bodily injury, property damage, personal injury, advertising injury, or medical payments if the insured becomes legally responsible. This coverage applies when the UAV or Drone is operated by the named insured or their employees during the named insured's business activities. The endorsement schedule must specify a General Aggregate/Total Limit, Description of the UAVs or Drones, and a description of the operations. Additional exclusions apply, and the definition of UAV is added.

NOTE: This endorsement is identical to BU 0459, except that it includes Personal and Advertising Injury.

BU 0504–Premises Limitation As Described in Declarations – Part II

(01 03 edition)

This endorsement limits coverage to the specific premises listed on the declarations. It also includes operations conducted off premises but are directly related to the insured premises.

BU 0505–Premises Limitation as Described in Schedule – Part II

(01 03 edition)

This endorsement limits coverage to the premises shown on the endorsement schedule. It also includes operations conducted off premises but are directly related to the insured premises.

BU 0506–Premises Exclusion – Part II

(01 03 edition)

This endorsement is used to exclude the premises and related operations shown on the endorsement schedule. Operations (including those within the products/completed operation hazard) off premises but directly related to the premises are also excluded.

BU 0507–Operations/Coverage Exclusion

(01 03 edition)

This endorsement is used to exclude products/completed operations from all or some locations. It can also be used to exclude coverage for personal injury/advertising injury. There is also a third item for a free-form Other to be excluded. If the third item is used, entries must be very precise to prevent confusion.

NOTE: Entries in this endorsement must be very precise to avoid ambiguity or confusion.

BU 0601–Additional Insureds – Part II

(07 04 edition)

The scheduled person or organization is an additional insured. This is excess coverage over any policy on which a person listed on this endorsement as an additional insured is the named insured.

BU 0602–Additional Insureds–Architects / Engineers / Surveyors – Part II

(07 04 edition)

Any architect, engineer, or surveyor working for the named insured is an additional insured. This is excess coverage over any policy on which a person considered on this endorsement as an additional insured is the named insured.

BU 0603–Additional Insureds–Assignee / Mortgagee / Receiver – Part II

(08 21 edition)

The scheduled assignee, mortgagee, or receiver is an insured, but only for the premises scheduled on the endorsement. Coverage is limited to the named insured’s ownership, maintenance, or use of the premises. There is no coverage if the additional insured is involved in demolition, new construction, or structural alterations at the premises.

BU 0604–Additional Insured–Controlling Interest – Part II

(01 03 edition)

The scheduled person or organization is an insured, but only because of the financial control of the named insured or the premises of the named insured. There is no coverage if the additional insured is involved in demolition, new construction, or structural alterations.

BU 0605–Additional Insured–Co-Owner of Premises – Part II

(01 03 edition)

The scheduled entity is an insured, but only for the premises scheduled on the endorsement in which the entity and the named insured are co-owners.

BU 0606–Additional Insured–Lessor of Equipment – Part II

(07 04 edition)

The scheduled person or organization is an additional insured, but only as it relates to equipment leased to the named insured by that entity. This is excess coverage over any policy on which an entity considered on this endorsement as an additional insured is the named insured.

BU 0607–Additional Insured–Manager or Lessors of Premises – Part II

(01 03 edition)

The scheduled person or organization is an additional insured, but only for the part of the scheduled premises leased to the named insured. There is no coverage if the additional insured participates in demolition, new construction, structural alterations, or if the named insured ceases to be a tenant.

BU 0608–Additional Insured–Owners of Leased Land – Part II

(01 03 edition)

The scheduled person or organization is an additional insured, but only for the part of the scheduled land leased to the named insured. There is no coverage if the additional insured participates in demolition, new construction, structural alterations, or if the named insured ceases to lease the land.

BU 0609–Additional Insured–Premises Permits – Part II

(01 03 edition)

The scheduled state or political subdivisions listed on the endorsement are insureds, but only concerning premises controlled by the named insured and only for the types of operations specified in the endorsement for which permits are issued by the political subdivision.

BU 0610–Additional Insured–Grantor of Franchise – Part II

(07 04 edition)

The scheduled person or organization is an insured, but only for the operations for which it has granted the named insured a franchise.

BU 0616 Additional Insureds / Loss Payee—Equipment – Part 1 and Part II

(01 03 edition)

This endorsement is used to add others with an insurable interest in the covered property to the policy and broadens the definition of insureds to include the designated person or organization shown on the schedule. The schedule must include the description and location of the coverage property.