This notice is provided as a courtesy to Attune's brokers and policyholders and
contains copyrighted material of Insurance Services Office, Inc. without any
amendments to the wording.
This is a summary of the major changes to your policy. No coverage is provided
by this summary nor can it be construed to replace any provisions of your
policy. You should read your policy and review your Declarations page for
complete information on the coverages you are provided. If there is any conflict
between the policy and this summary, THE PROVISIONS OF THIS POLICY SHALL
PREVAIL.
The areas within the policy that broaden or reduce coverage, and other changes,
are highlighted below. This notice does not reference every editorial change
made in your policy.
BUSINESSOWNERS COVERAGE FORM BP 00 03
SECTION I – PROPERTY BROADENINGS OF COVERAGE
Business Personal Property – Coverage Radius
The Business Personal Property coverage grant is revised to extend coverage 100
feet from the building or 100 feet from the described premises.
Vegetated Roofs
Property Not Covered is revised to make an exception for lawns, trees, shrubs
and plants which are part of a vegetated roof, thereby treating such property as
an insured part of the building, so that an existing vegetated roof can be
replaced with like kind in the event of a loss, subject to policy terms and
certain limitations. Accordingly, lawns, trees, shrubs and plants which are part
of a vegetated roof are no longer covered under the more limited Outdoor
Property Coverage Extension. The Limited Coverage For Fungi, Wet Rot Or Dry Rot
Additional Coverage is revised to expressly state that the coverage does not
apply to lawns, trees, shrubs or plants which are part of a vegetated roof.
Electronic Data In Building Equipment
Property Not Covered is revised to make an exception for electronic data which
is integrated in and operates or controls the building's elevator, lighting,
heating, ventilation, air conditioning or security system. Such electronic data
is now Covered Property and is subject to the policy's full limits of insurance
for a loss not otherwise excluded. The Electronic Data and Interruption Of
Computer Operations Additional Coverages are revised to reinforce that coverage
does not apply to such electronic data.
Debris Removal
The additional Limit of Insurance for debris removal expense, provided for under
the Debris Removal Additional Coverage, is increased from $10,000 to $25,000.
Further, coverage for debris removal is expanded to include the expense of
removing debris of certain property of others. The total expense for all debris
removal is subject to the limitations stated in the policy concerning amount of
coverage, including the aforementioned additional limit of insurance. However,
when no Covered Property sustains direct physical loss or damage, coverage for
the removal of debris of others' property is limited to $5,000.
The Outdoor Property Coverage Extension is revised to include debris removal
expense for trees, shrubs and plants that are the property of others, except
trees, shrubs and plants owned by the landlord of an insured tenant.
Related Change: Debris Removal Additional Insurance Endorsement BP 14 09 makes
reference to the aforementioned $25,000 limit.
Business Income Additional Coverage – Extended Business Income
The number of days' coverage under the Extended Business Income provision is
increased from 30 to 60 days.
Business Income From Dependent Properties Additional Coverage – Secondary
Dependent Properties
Coverage is extended with respect to secondary dependent properties which are
limited to direct suppliers and recipients of the dependent property's materials
or services.
Business Personal Property Temporarily In Portable Storage Units Coverage
Extension
A Coverage Extension for Business Personal Property Temporarily In Portable
Storage Units is introduced. Under this Coverage Extension, a 90-day coverage
period is provided for Business Personal Property temporarily stored in a
portable storage unit located within 100 feet of the described premises, subject
to a sub-limit of $10,000 regardless of the number of storage units.
NOTE TO INSURER: Property in a storage unit is not explicitly addressed in the
current policy. Thus, the Coverage Extension generally represents a broadening
of coverage. However, if an insurer previously treated property in a storage
unit as property in the open, this change might be construed as a limitation in
coverage due to the sub-limit and terms of coverage.
Dishonesty Exclusion
The Dishonesty Exclusion is revised to distinguish between those who have a role
in the insured's business (partners, managers, employees, etc.) and others to
whom property may be entrusted (a category that includes tenants and bailees,
for example). With respect to the latter category, the exclusion is narrowed to
apply only to theft. Further, the exception to the exclusion (which enables
coverage for acts of destruction) is revised to extend applicability to
authorized representatives.
Specified Causes Of Loss Property Definition
Coverage for water damage under the definition of "specified causes of loss" is
expanded to include accidental discharge or leakage of water or waterborne
material as the direct result of the breaking apart or cracking of certain
off-premises systems due to wear and tear.
REDUCTION IN COVERAGE
Limitations
The limitations which pertain to loss or damage to the interior of any building
or structure caused by or resulting from rain, snow, sleet, ice, sand or dust
are extended to apply to personal property in the building or structure.
Newly Acquired Or Constructed Property Coverage Extension
Under the Newly Acquired Or Constructed Property Coverage Extension, the
provision which extends an additional limit of insurance to newly acquired
business personal property at the described premises is removed. There is no
change to the coverage for newly acquired business personal property at newly
acquired locations or at newly constructed or acquired buildings at the
described location.
Employee Dishonesty Optional Coverage
An exclusion is introduced to the Employee Dishonesty Optional Coverage to
address acts of employees learned of by the insured prior to the policy period.
OTHER CHANGES
Business Personal Property
The Business Personal Property coverage grant is revised to make it explicit
that business personal property is covered when located in or on the buildings
or structures at the described premises.
Covered Causes Of Loss – Risk Of Loss
The term "risk of" is removed from the Covered Causes Of Loss provision.
Fire Department Service Charge Additional Coverage
The Fire Department Service Charge Additional Coverage is revised to specify
that the amount of such coverage ($2,500 or a designated higher limit) applies
to each premises described in the Declarations. Further, the language of the
coverage provision is revised to make it explicit that the designated limit
applies regardless of the number of responders or the number or type of services
performed.
Business Income And Extra Expense Additional Coverages – Coverage Radius
In part, the coverage criteria for the Business Income and Extra Expense
Additional Coverages relate to loss or damage to personal property in the open
or in a vehicle within a certain distance from the described premises. The
language relating to the coverage radius is revised to achieve more similarity
between the radius outlined for insureds who are occupants of the entire
premises and those who occupy only a part of the premises, and to use
terminology similar to that used in the Business Personal Property coverage
grant.
Ordinance Or Law Exclusion
The language of the Ordinance Or Law Exclusion, which relates to enforcement of
an ordinance or law, is revised to also refer to compliance with an ordinance or
law.
Similar references are revised in the Increased Cost Of Construction (ICC) and
Business Income From Dependent Properties Additional Coverages, Loss Payment
Condition and the Period of Restoration definition. Further, the ICC Additional
Coverage is revised to explicitly refer to compliance with the minimum standards
of an ordinance or law.
Temporary Or Leased Employees
The Personal Effects Coverage Extension, the Dishonesty Exclusion and the Money
And Securities Optional Coverage are revised to reinforce that employees include
temporary or leased employees.
Business Income From Dependent Properties Additional Coverage
The Business Income From Dependent Properties Additional Coverage is revised to
provide coverage with respect to secondary dependent properties. Such properties
are defined within this Additional Coverage.
Additionally, the definition of dependent property excludes various utility
providers; the list of utilities is updated to make reference to wastewater
removal services. With respect to Business Income Coverage, loss caused by
interruption in utility service is addressed in Endorsement BP 04 57. Refer to
the item titled Utility Services – Time Element Endorsement BP 04 57.
Earth Movement Exclusion
The Earth Movement Exclusion now makes explicit reference to earth movement
caused by an act of nature or otherwise caused. In addition, the term earthquake
now incorporates tremors and aftershocks.
With respect to coverage for volcanic action (which is a limited exception to
the exclusion of volcanic eruption), all such eruptions that occur within any
168-hour period constitute a single occurrence.
Loss Payment Property Loss Condition
The Loss Payment Property Loss Condition is editorially revised and an
illustrative example is provided.
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SECTION II – LIABILITY BROADENINGS OF COVERAGE
Liquor Liability Exclusion
The Liquor Liability Exclusion is revised to provide that, for the purposes of
the exclusion, permitting a person to bring alcoholic beverages for consumption
on an insured's premises (e.g., a "Bring Your Own"), whether or not a fee is
charged or a license is required for such activity, is not by itself considered
the business of selling, serving or furnishing alcoholic beverages.
NOTE TO INSURER: This change may be considered a broadening in coverage in that
it contains an express exception to the exclusion with respect to allowing a
person to bring alcoholic beverages for consumption on their premises.
Electronic Data Exclusion
An exception to the Electronic Data Exclusion is introduced to provide that the
exclusion does not apply to liability for damages because of bodily injury.
REDUCTION IN COVERAGE
Liquor Liability Exclusion
The Liquor Liability Exclusion is revised to explicitly state that the Liquor
Liability Exclusion applies even if the claims allege the negligence or other
wrongdoing in:
• The supervision, hiring, employment, training or monitoring of others; or
• Providing or failing to provide transportation with respect to any person that
may be under the influence of alcohol; if the occurrence which caused the bodily
injury or property damage involved that which is described in Paragraph (1), (2)
or (3) of the exclusion.
OTHER CHANGES
War Liability Exclusion
The War Liability Exclusion is editorially revised.
Personal And Advertising Injury Exclusion
The Personal And Advertising Injury Exclusion is revised for consistency with
the definition of personal and advertising injury.
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SECTION III – COMMON POLICY CONDITIONS (APPLICABLE TO SECTION I – PROPERTY AND
SECTION II – LIABILITY)
BROADENINGS OF COVERAGE
NOTE TO INSURER: No changes were made which resulted in a broadening of
coverage.
REDUCTION IN COVERAGE
NOTE TO INSURER: No changes were made which resulted in a reduction of coverage.
OTHER CHANGES
Other Insurance Condition
The Other Insurance Condition is editorially revised.
ENDORSEMENTS
BROADENINGS OF COVERAGE
BP DS 07 – Photography – Supplemental "Photographic Equipment" Schedule
This endorsement may be used to describe individual articles of "photographic
equipment" at scheduled limits.
BP 04 41 – Business Income Changes – Time Period
This endorsement is revised to reflect changes made to the Business Income From
Dependent Properties
Additional Coverage in the Businessowners Coverage Form with respect to
secondary dependent properties.
BP 04 57 – Utility Services – Time Element
This endorsement is revised to provide the means to select a new category of
utility service: wastewater removal property. With respect to the coverage
provided under this endorsement, wastewater removal property is a utility system
for removing wastewater and sewage from the described premises, other than a
system designed primarily for draining storm water.
BP 05 95 – Electronic Data Liability – Limited Coverage
This endorsement is revised for consistency with the Electronic Data Exclusion
in the Businessowners Coverage Form by adding an exception to provide that the
exclusion does not apply to liability for damages because of bodily injury.
BP 07 83 – Photography
This new endorsement addresses the specialized coverage needs of photographer
risks.
BP 07 84 – Photography – Makeup And Hairstyling
This endorsement provides an option relating to liability coverage, indicating
the Professional Services Exclusion does not apply, with respect to makeup
application or hairstyling services provided in connection with the operation of
the Named Insured's business as a photographer.
BP 07 87 – Photography – Amendment Of Coverage Territory For "Photographic
Equipment" – Worldwide Coverage
This endorsement expands the property coverage territory for "photographic
equipment" to worldwide, except for any countries listed in the Schedule and
those countries subject to trade or other economic sanction or embargo by the
United States of America.
BP 08 07 – Pharmacists
This endorsement is revised to include an exception to the Professional Services
Exclusion with respect to the administering of vaccinations in accordance with
applicable state or federal law.
BP 10 09 – Named Perils
The Dishonesty Exclusion applicable to the Accounts Receivable and Valuable
Papers And Records Coverage Extensions in this endorsement is revised in the
same manner as the Dishonesty Exclusion in Section I – Property of the
Businessowners Coverage Form.
BP 10 79 – Flood Coverage
Under the Flood Coverage endorsement, there is no coverage for loss resulting
from a flood which begins before or within 72 hours after the inception date of
the endorsement. This endorsement is revised to provide that the aforementioned
72-hour waiting period will not apply when the prior policy included flood
coverage and the policy periods are consecutive without a break in coverage.
Further, the similar 72-hour waiting period for an increase in the Limit of
Insurance will not apply to an increase executed at the time of renewal.
Also, this endorsement is revised to add drains and sumps to the provision which
covers back-up and overflow from a sewer when such discharge occurs within 72
hours after a flood recedes.
BP 14 79 – Specified Business Personal Property Temporarily Away From Premises
This new endorsement provides coverage for business personal property
temporarily away from the described premises in the course of daily business
activities while in the care, custody or control of the insured or an employee
of the insured.
BP 14 82 – Increase In Rebuilding Expenses Following Disaster (Additional
Expense Coverage On Annual Aggregate Basis)
This new endorsement provides limited coverage for the situation in which the
cost of repair/replacement of property exceeds the Limit of Insurance due to
increases in the cost of labor and/or materials following a disaster.
BP 14 83 – Employee Dishonesty – Named Employee(s)
This new endorsement provides an exception to an exclusion contained in the
Employee Dishonesty Optional Coverage. It may be used to schedule a certain
employee(s) that is known to have previously committed theft or any other
dishonest act prior to the effective date of the policy. The scheduled
employee(s) would no longer be subject to the exclusion under the Employee
Dishonesty Optional Coverage.
BP 14 87 – Additional Insured – Owners, Lessees Or Contractors – With Additional
Insured Requirement For Other Parties In Construction Contract
This endorsement provides additional insured status to those parties whom the
Named Insured is obligated in writing in a contract or agreement to name as an
additional insured under their policy.
BP 14 89 – Liquor Liability Coverage – Bring Your Own Alcohol Establishments
This endorsement extends Business Liability Coverage, to include bodily injury
or property damage arising out of the selling, serving or furnishing of any
alcoholic beverages, to insureds who permit any person to bring any alcoholic
beverage on their premises, for consumption on the premises, whether or not a
fee is charged for such activity.
BP 17 01 – Condominium Association Coverage
This endorsement is revised to convey that coverage extends 100 feet from the
building or 100 feet from the described premises, whichever distance is greater.
BP 17 02 – Condominium Commercial Unit-owners Coverage
This endorsement is revised to convey that coverage extends 100 feet from the
building or 100 feet from the described premises, whichever distance is greater.
Additionally, this endorsement is revised to include leased personal property
which the Named Insured has a contractual responsibility to insure as Business
Personal Property.
BP 17 03 – Condominium Commercial Unit-owners Optional Coverages
This endorsement is revised to provide the means for selecting a limitation
(sub-limit) over $1,000 for assessments that result from a deductible in the
insurance purchased by the condominium association. Coverage is broadened if a
sub-limit over $1,000 is entered in the Schedule of the endorsement.
REDUCTION IN COVERAGE
BP 04 19 – Amendment – Liquor Liability Exclusion – Exception For Scheduled
Premises Or Activities
The Liquor Liability Exclusion in this endorsement is revised, in part, to
indicate that the causing or contributing to the intoxication of any person
includes causing or contributing to the intoxication of any person because
alcoholic beverages were permitted to be brought on your premises for
consumption on your premises.
This endorsement is also revised to indicate that the Liquor Liability Exclusion
will apply if an insured permits any person to bring any alcoholic beverages on
the Named Insured's premises, for consumption on the Named Insured's premises,
except for the premises described in the Schedule of the endorsement for
consumption on such premises.
BP 14 81 – Limitations On Coverage For Roof Surfacing
This new endorsement includes provisions for covering roof surfacing at actual
cash value on a building otherwise subject to replacement cost valuation and for
excluding cosmetic damage by windstorm or hail to roof surfacing. One or both of
these limitations may be indicated on the Schedule of the endorsement.
BP 14 84 – Windstorm Or Hail Exclusion
This endorsement generally excludes loss or damage caused directly or indirectly
by windstorm or hail.
BP 14 86 – Communicable Disease Exclusion
This endorsement excludes coverage for liability arising out of the actual or
alleged transmission of a communicable disease.
BP 14 91 – Amendment Of Personal And Advertising Injury Definition
This endorsement deletes the offense of oral or written publication, in any
manner, of material that violates a person's right of privacy from the
definition of personal and advertising injury.
OTHER CHANGES
BP DS 06 – Flood Coverage Schedule
This endorsement is revised so that the Underlying Insurance Waiver can be made
applicable by location. The Underlying Insurance Waiver is a provision in Flood
Coverage Endorsement BP 10 79; the waiver applies to a location only if so
indicated in the Flood Coverage Schedule.
BP 04 19 – Amendment – Liquor Liability Exclusion – Exception For Scheduled
Premises Or Activities
This endorsement is revised for consistency with revisions made to the Liquor
Liability Exclusion in the policy.
BP 04 30 – Protective Safeguards
This endorsement is revised by the addition of a symbol and description to
recognize hood-and-duct fire extinguishing systems.
BP 04 31 – Food Contamination
This endorsement is revised for consistency with the Commercial Property Program
and to reinforce certain provisions, as follows:
* Paragraph A.1.c. is revised to indicate that covered expenses include
necessary medical tests or vaccinations for your employees (including
temporary or leased employees) who are potentially infected by the food
contamination.
* The definition of "food contamination" is revised.
BP 04 46 – Ordinance Or Law Coverage
This endorsement is revised to reflect the revisions made to the Ordinance Or
Law Exclusion in the Businessowners Coverage Form.
BP 04 53 – Water Back-up And Sump Overflow
This endorsement is revised to reinforce that coverage under this endorsement
does not apply when sump pump failure is caused by or results from power failure
unless the policy is endorsed to cover power failure.
The endorsement is also revised to indicate that, for the purposes of this
endorsement, the term drain includes a roof drain and related fixtures.
Utility Services Coverage Endorsements – Overhead Transmission Lines
* BP 04 56 – Utility Services – Direct Damage
* BP 04 57 – Utility Services – Time Element
These endorsements are revised to make it explicit that transmission lines
include all lines which serve in the transmission of power or communication
service, including lines which may be identified as distribution lines.
BP 04 84 – Functional Building Valuation
This endorsement is revised to reflect the revisions made to the Ordinance Or
Law Exclusion in the Businessowners Coverage Form.
BP 05 95 – Electronic Data Liability – Limited Coverage
The definition of electronic data contained in this endorsement is revised for
consistency with the same definition contained in the Businessowners Coverage
Form.
BP 05 96 – Electronic Data Liability – Broad Coverage
The definition of electronic data contained in this endorsement is revised for
consistency with the same definition contained in the Businessowners Coverage
Form.
BP 05 97 – Extended Reporting Period For Electronic Data Liability – Broad
Coverage
This endorsement is revised to reinforce that the Extended Reporting Period
Aggregate Limit is equal to the applicable Electronic Data Liability Annual
Aggregate Limit.
BP 05 98 – Amendment Of Insured Contract Definition
This endorsement is revised to reflect that the defined term insured contract
addresses certain liability assumed by the Named Insured with respect to the
tort liability of another party to the extent the assumption of the tort
liability is permitted by law.
BP 07 08 – Pesticide Or Herbicide Applicator – Limited Pollution Coverage
The title of this endorsement is revised to better reflect the coverage
provided.
BP 07 75 – Apartment Buildings
This endorsement is revised to reflect the revisions made to the Ordinance Or
Law Exclusion in the Businessowners Coverage Form.
BP 07 78 – Restaurants
This endorsement is revised to reflect the revisions made to the Ordinance Or
Law Exclusion in the Businessowners Coverage Form. It is also revised to reflect
the revisions made to Food Contamination Endorsement BP 04 31.
BP 07 81 – Residential Cleaning Services
This endorsement is revised to refer to "an identified employee" for consistency
with ISO's Crime And Fidelity Program.
BP 10 03 – Earthquake
This endorsement is revised to explicitly address the Building and/or Business
Personal Property Limit Of Insurance shown in the Declarations.
BP 10 09 – Named Perils
This endorsement is revised, as a consequence of generally extending insured
property status to the vegetation which is part of a vegetated roof, by adding a
limitation which states that such vegetation is not covered with respect to loss
or damage caused by hail.
BP 14 04 – Windstorm Or Hail Losses To Roof Surfacing – Actual Cash Value Loss
Settlement
This endorsement is revised by the addition of a definition of roof surfacing.
BP 14 09 – Debris Removal Additional Insurance
This endorsement is revised to reference the $25,000 underlying amount of
additional insurance.
BP 14 75 – Increased Cost Of Loss And Related Expenses For Green Upgrades
The Schedule of this endorsement is revised to facilitate identification of
personal property (when not all personal property is to be covered for Green
Upgrades) and to facilitate the entry of different percentage selections for the
building and personal property.
Paragraphs B.1.a. and B.1.b. are revised to simplify the calculation described
therein, with no change in the outcome. Paragraph B.1.d. is added to explicitly
address the situation in which the property loss is less than the deductible.
The provisions of former Paragraph B.10., concerning vegetated roofs, are
incorporated into the Businessowners Coverage Form, as discussed in the
Vegetated Roofs item.
BP 14 78 – Exclusion Of Loss Due To By-products Of Production Or Processing
Operations (Rental Properties)
This new endorsement, which applies to policies issued to owners and tenants of
rental premises, reinforces that "property damage" and "business interruption"
coverages do not apply to loss or damage to the described premises caused by or
resulting from smoke, vapor, gas or any substance released in the course of
production operations or processing operations performed at the rental units
identified in the Schedule of the endorsement. But loss or damage by fire or
explosion that results from the release of a by-product of the production or
processing operation is not excluded.
NOTE TO INSURER: There is no change in intended coverage. With respect to
individual insurers, impact may vary based on past claims and loss settlement
history.
BP 14 80 – Higher Limits
This new endorsement increases certain specified dollar limitations.
NOTE TO INSURER: The Declarations or this endorsement can be used to increase
certain dollar limitations. Refer to Rule 29.A.35. in CLM Division Ten for
additional information.
BP 14 88 – Primary And Noncontributory – Other Insurance Condition
This endorsement revises the Other Insurance Condition to indicate that coverage
is provided to an additional insured on a primary and noncontributory basis.
BP 17 01 – Condominium Association Coverage
This endorsement is revised to make it explicit that Business Personal Property
is covered when located in or on the buildings or structures at the described
premises.
BP 17 02 – Condominium Commercial Unit-owners Coverage
This endorsement is revised to make it explicit that Business Personal Property
is covered when located in or on the buildings or structures at the described
premises.
BP 04 02 – Additional Insured – Managers Or Lessors Of Premises
BP 04 06 – Additional Insured – Controlling Interest
BP 04 07 – Additional Insured – State Or Governmental Agency Or Subdivision Or
Political Subdivision – Permits Or Authorizations Relating To Premises
BP 04 09 – Additional Insured – Mortgagee, Assignee Or Receiver
BP 04 10 – Additional Insured – Owners Or Other Interests From Whom Land Has
Been Leased BP 04 11 – Additional Insured – Co-owner Of Insured Premises
BP 04 13 – Additional Insured – Engineers, Architects Or Surveyors
BP 04 16 – Additional Insured – Lessor Of Leased Equipment
BP 04 47 – Additional Insured – Vendors
BP 04 48 – Additional Insured – Designated Person Or Organization
BP 04 49 – Additional Insured – Engineers, Architects Or Surveyors Not Engaged
By The Named Insured
BP 04 50 – Additional Insured – Owners, Lessees Or Contractors – Scheduled
Person Or Organization
BP 04 51 – Additional Insured – Owners, Lessees Or Contractors – With Additional
Insured Requirement In Construction Contract
BP 04 52 – Additional Insured – State Or Governmental Agency Or Subdivision Or
Political Subdivision – Permits Or Authorizations
BP 14 02 – Additional Insured – Owners, Lessees Or Contractors – Completed
Operations
BP 14 05 – Additional Insured – Grantor Of Franchise
These additional insured endorsements are revised to:
* Add language, in response to the growing number of states enacting
anti-indemnification laws, to provide that the insurance afforded to an
additional insured only applies to the extent permitted by law;
* Provide that, if coverage provided to the additional insured is required by
contract or agreement, the insurance afforded to the additional insured will
not be broader than that which the Named Insured is required by the contract
or agreement to provide for the additional insured; and
* Provide that, if coverage provided to the additional insured is required by
contract or agreement, the most the insurer will pay on behalf of the
additional insured is the amount of insurance required by the contract or
agreement or the amount of insurance available under the applicable Limits Of
Insurance shown in the Declarations, whichever is less. The provision also
provides that the endorsement will not increase the applicable Limits Of
Insurance shown in the Declarations.
NOTE TO INSURER: When these endorsements are attached to a policy, if coverage
provided to the additional insured is required by contract or agreement,
coverage to the additional insured will be afforded to the extent permissible by
law and to the extent the Named Insured is required by the contract or agreement
to provide insurance for the additional insured. Additionally, if coverage
provided to the additional insured is required by contract or agreement, the
limits of insurance of the Named Insured's policy that are available to an
additional insured will be limited to the extent required by the contract or
agreement or the amount of insurance available under the applicable Limits Of
Insurance shown in the Declarations, whichever is less.
BP 04 07 – Additional Insured – State Or Governmental Agency Or Subdivision Or
Political Subdivision – Permits Or Authorizations Relating To Premises
BP 04 52 – Additional Insured – State Or Governmental Agency Or Subdivision Or
Political Subdivision – Permits Or Authorizations
These endorsements are revised to explicitly allow for any governmental agency
or subdivision (federal or state) to be named as an additional insured.
Additionally, the endorsements are revised to address situations in which a
permit may not be issued, but rather the governmental agency or subdivision
authorizes the insured to perform operations. The endorsements now reference the
issuing of permits or authorizations to the insured.
BP 04 13 – Additional Insured – Engineers, Architects Or Surveyors
BP 04 49 – Additional Insured – Engineers, Architects Or Surveyors Not Engaged
By The Named Insured
BP 04 51 – Additional Insured – Owners, Lessees Or Contractors – With Additional
Insured Requirement In Construction Contract
These additional insured endorsements are revised for consistency with BP 04 50
– Additional Insured – Owners, Lessees Or Contractors – Scheduled Person Or
Organization by:
* Specifically excluding completed operations coverage for an additional
insured; and/or
* Removing the Professional Services Exclusion, as a similar exclusion is
already contained in the Businessowners Coverage Form.
BP 04 31 – Food Contamination
BP 07 01 – Contractors' Installation, Tools And Equipment Coverage
BP 07 75 – Apartment Buildings
BP 07 76 – Apartment Buildings – Loss Or Damage To Tenants' Autos (Legal
Liability Coverage)
BP 07 78 – Restaurants
BP 07 79 – Restaurants – Loss Or Damage To Customers' Autos (Legal Liability
Coverage)
BP 07 81 – Residential Cleaning Services
BP 10 09 – Named Perils
These endorsements are revised to reinforce that employees include temporary or
leased employees.
BP 08 01 – Barber Shops And Hair Salons Professional Liability BP 08 03 –
Optical And Hearing Aid Establishments
BP 08 07 – Pharmacists
BP 08 09 – Beauty Salons Professional Liability
BP 14 15 – Limited Exclusion – Personal And Advertising Injury – Lawyers
To reinforce the Professional Services Exclusion in these endorsements, the
exclusion is enhanced to expressly address, in part, claims alleging negligence
or other wrongdoing in the hiring, employment, training, supervision or
monitoring of others by an insured.
© Insurance Services Office, Inc., 2012 BP P 015 07 13
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