ISO Commercial Lines Contract Analysis Directory

A directory of majority of commercial contract analyses containing links to each analysis as of date published.

FC&S Editors | May 06, 2024

An analysis of the standard ISO policy forms is one of the many services provided by FC&S Expert Coverage Interpretation. In order to make it easy to find these articles, we have pulled together links to the major analyses by line of business into one article. Here we present the commercial lines contract analyses.

Main Commercial Coverage Forms and Endorsements

Policy Conditions

Businessowners / Microbusinessowners

Commercial Property

Commercial Property Coverages

Business Income and Extra Expense

Commercial Property Endorsements

Equipment Breakdown

Inland Marine Coverages

Crime / Employee Dishonesty / Fidelity

General Liability

Pollution Liability

Commercial Umbrella Liability / Excess Liability

Capital Assets Program

Market Segments Commercial Coverages

MAIN COMMERCIAL COVERAGE FORMS AND ENDORSEMENTS

Policy Conditions

Common Policy Conditions

Business Auto

Auto Medical Payments Coverage

Business Auto Form Declarations and Coverage Symbols

Business Auto Definitions

Business Auto Form — Liability Coverage

Business Auto Form—Physical Damage Coverage

Business Auto Form—Conditions

Commercial Auto Hacking Expense Coverage Endorsement

Commercial Auto Hacking Expense Endorsement – 01.2024 Revision

Drive Other Car Coverage Endorsements

ISO Commercial Auto Endorsements Discussed – Categories 01, 02, 03 and 05

ISO Commercial Auto Endorsements Discussed – Category 04 Additional Coverage Endorsements

ISO Commercial Auto Endorsements Discussed – Category 23 Commercial Auto Endorsements

ISO Commercial Auto Endorsements Discussed – Category 25 Garage (Auto Dealers)

ISO Commercial Auto Endorsements Discussed – Category 26 Single Interest

ISO Commercial Auto Endorsements Discussed – Categories 27 and 28

ISO Commercial Auto Endorsements Discussed – Category 99 Common Coverages

ISO Commercial Auto Abuse Or Molestation Liability Optional Endorsements 09 22

Garage

Annotated Garage Liability Section II

Garage Policy Conditions (Section V)

Garage Form Definitions

Garage Form Medical Payments Coverage

Public or Livery Passenger Conveyance and On-Demand Delivery Services Exclusion

Auto Dealers

Auto Dealers Covered Autos Liability Coverage

Auto Dealers Coverage Form–Physical Damage Coverage

Auto Dealers Definitions

Auto Dealers Coverage Form Conditions CA 00 25

Cannabis

ISO Commercial Lines Cannabis Exclusions

Commercial Property Optional Cannabis Coverage CP 99 06

Businessowners / Microbusinessowners

Businessowners Property Coverage, Part I

Introduction to ISO Micro-Businessowners Program

Businessowners Exclusion of PFAS Exposures BP 15 91

Businessowners Cyber, Data Privacy and Electronic Data Endorsements Analyses – Part One

Businessowners Cyber, Data Privacy and Electronic Data Endorsements Analyses – Part Two

Commercial Property

Standard Property

Standard Fire Insurance Policy

Standard Property Policy

Commercial Property Coverages

Building and Personal Property Coverage Form

Causes of Loss Forms

Commercial Property Conditions

2023 Commercial Property Earthquake and Volcanic Eruption Rules Revisions

Holding Water – Water Terms Used Within the Commercial Property Policy

When the Roof needs Repair – What about the Decking

Business Income and Extra Expense

Business Income Indemnity Options

Business Income Optional Coverages

Business Income and Extra Expense Endorsements Discussed

ISO Provides Business Interruption Endorsement in Response to Coronavirus

The Business Income Worksheet—Step by Step

Business Income (and Extra Expense) Coverage Form

Extra Expense Insurance

Extra Expense Insurance – Contrasted with Business Income Coverage

Condominiums

Condominium Association Coverage Form

Condominium Commercial Unit Owners Coverage

Commercial Property Endorsements

ISO Commercial Property and Businessowners Mandatory Cyber Incident Exclusion Endorsements Analysis

ISO Commercial Lines Cannabis Exclusions

Debris Removal Coverage

Legal Liability Coverage Form

Leasehold Interest Coverage

Mortgageholders Errors and Omissions Form

Radioactive Contamination Coverage

Spoilage Coverage

Tobacco Sales Warehouses Coverage Form

Value Reporting Form

War Exclusion Clause

Equipment Breakdown

Equipment Breakdown Coverage Form

Equipment Breakdown Endorsements

Flood

ISO Commercial Flood Program

ISO Commercial Flood Program-Loss Conditions and Definitions

ISO Commercial Flood Program—Extensions, Optional Coverages and Limits

Inland Marine Coverages

Accounts Receivable

Accounts Receivable

Cameras / Musical Instruments / Film / Theater

Camera and Musical Instrument Dealers Coverage Form

Film Coverage Form

Theatrical Property Coverage Form

Builders Risk

Builders Risk Insurance

Builders Risk Coverage Form

Bailees Coverage

Bailees Customers Coverage Form

Commercial Articles

Commercial Articles Coverage Form

Computer Systems / Electronic Data Processing

Computer Systems Coverage Form

Electronic Data Processing Coverage

Electronic Data Liability Coverage Form

Contractors Equipment / Equipment Dealers

Contractors Equipment Coverage Form

Equipment Dealers Coverage

Floor Plan

Floor Plan Coverage Form

Installation

Installation Coverage Form

Radio and Television Towers and Equipment

Jewelers Block

Jewelers Block Coverage Form

Physicians and Surgeons Equipment

Physicians and Surgeons Equipment Coverage Form

Processors

Processors Coverage Form

Riggers

Riggers Liability Coverage Form

Signs

Signs Coverage Form

Tank Storage

Tank Storage Coverage Form

Valuable Papers

Valuable Papers and Records Coverage Form

Unmanned Aircraft

Limited Coverage for Unmanned Aircraft Property

Unmanned Aircraft Property And Cargo Coverage Form

Crime / Employee Dishonesty / Fidelity

Commercial Crime Policy

Commercial Crime Coverage Form

Crime Causes of Loss Form(s)

Common Crime and Fidelity Endorsements

Employee Theft and Forgery

Fraudulent Impersonation

Include Virtual Currency as Money

Optional Crime and Fidelity Endorsements

Financial Institution Computer Crime Policy

Financial Institution Crime Policy for Banks and Savings Institutions

Financial Institution Bond, Standard Form No. 24

Financial Institution Bond – Banks and Savings Institutions (Aggregate Form) General Agreements

Financial Institution Bond – Banks and Savings Institutions (Aggregate Form) Insuring Agreements

Financial Institution Bond – Banks and Savings Institutions (Aggregate Form) Definitions

General Riders for Financial Institutions Bond 24

Government Crime Coverage Form

Kidnap, Ransom, and Extortion Policy

General Liability

General Provisions of the CGL

CGL Coverage Form–Coverage A

CGL Coverage Form–Coverage B

Commercial General Liability Form Medical Payments Coverage

Products-Completed Operations Coverage

Commercial General Liability Definitions

Liquor Liabillity Exclusion

General Liability Abuse or Molestation Liability Endorsement Amendments – Part I

General Liability Abuse or Molestation Liability Endorsement Amendments – Part II (CG 04 15)

General Liability Abuse or Molestation Liability Endorsement Amendments – Part III (CG 04 16)

ISO New and Revised Multistate Optional General Liability Endorsements Effective 12/1/19

ISO New and Revised Multistate Optional Commercial Liability Umbrella and Excess Endorsements

Introduction of General Liability PFAS Endorsements

Product Withdrawal Coverage Form

Owners and Contractors Protective Liability Coverage Form

Claims-Made vs Occurrence Coverages

Pollution Liability

Pollution Liability Coverage Forms

Commercial Umbrella Liability / Excess Liability

Commercial Umbrella Liability Insurance

Commercial Excess Liability Coverage Form

ISO New and Revised Multistate Umbrella and Excess Endorsements

ISO New and Revised Multistate Optional Commercial Liability Umbrella and Excess Endorsements

Capital Assets Program

Capital Assets Program

Cyber

ISO Commercial Cyber Product Replaced: Part One – CY 00 03 11 21 Sections I–IV

ISO Commercial Cyber Product Replaced: Part Two − CY 00 03 11 21 Sections V-X

ISO Commercial Cyber Product Replaced: Part Three "A" – CY 00 02 11 21

ISO Commercial Cyber Product Replaced: Part Three "B" – CY 00 02 11 21

ISO Commercial Cyber Insurance Policy (2018)

MARKET SEGMENTS COMMERCIAL COVERAGES

Apartment Building Owners

Auto Service

Dry Cleaning and Laundry Facilities

Farms

Farm Umbrella Liability Policy

Funeral Homes

Golf Courses

Hardware and Home Improvement Stores

Health Clubs and Gyms

Hotels, Motels, and Inns

Janitorial Services

Landscapers

Personal Care Services

Pet Services

Plumbing & HVAC Contractors

Restaurants

Self-Storage Facilities

Staffing Firms

Supermarkets

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