This is an analysis of the liability coverages of the Businessowners Coverage Form, BP 00 03. This is Part 3 of the analysis, which addresses the liability and nuclear energy exclusions.

This is Part 2 of an analysis of the Businessowners Liability coverages, which addresses the coverages, supplementary payments, and who is an insured portions of the coverage form.

This Part 1 - Definitions describes and analyzes the liability and medical expenses definitions in the Businessowners (BOP) Coverage Form.

This article discusses the structure of Difference in Conditions Policies and goes over the ISO DIC form IH 00 80.

With a proposed effective date of 10/1/2026, ISO is revising endorsement CG 24 13 Amendment of Personal And Advertising Injury Definition.

When buying a property policy, an insured has the option of RCV or ACV. An insured will often pay more for the RCV on their property, only to find out during the final claims settlement that they would be better off financially to elect an ACV settlement. We will look at the advantages and disadvantages of each option in various claims situations to show why that might happen.

ISO has available seven endorsements to address the exposures associated with leasing or rental companies. Here we will provide a brief analysis of each of these endorsements.

Coverage for mobile equipment is a rather complex subject, given that coverage is split between the business auto and general liability coverage forms. We will look at the coverage provided by each of these forms, as well as how the coverages are designed to be applied in actual claim scenarios.