This is the fourth and final part of a series of articles discussing the liability coverages of the Businessowners Policy, BP 00 03. This part discusses the Limits of Insurance and the liability Conditions portions of the policy.

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.

A summary of the ISO Circular for July 8, 2026. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.

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

A summary of the ISO Circular for June 3, 2026. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.

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.

A discussion of a bulletin published by TDI announcing the data call for applicable insurers writing business in catastrophe areas.

A summary of the ISO Circular for March 19, 2026. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.