This discusses and analyzes several new and revised ISO endorsements addressing such exposures as silent cyber, electronic data loss, and data privacy issues, endorsements to be effective January 1, 2024.

Introducing ISO's endorsement BP 15 91 which excludes perfluoroalkyl or polyfluoroalkyl substances (PFAS) from the businessowners policy, including an analysis of the endorsement.

ISO is implementing earthquake rule changes that will enable a soft story factor to be applied to earthquake coverage when the building has a soft story.

There seems to be no end to the confusion from insureds, agents, claims adjusters, and even some carriers, over application of the loss assessment coverage. This article undertakes to provide understanding using various scenaries to explain the coverage.

Effective 4/1/2020, ISO has introduced a new multistate program designed for micro-businesses, so named for their size eligibility of 0-4 employees and maximum annual sales of $500,000. Here we will discuss the eligibility criteria and provide an overview of the new product.

This article analyzes the MSO Businessowners form BU 04 01.

Highlights the new fracking exclusion added to certain mandatory state endorsements.

MSO BUSINESSOWNERS POLICY—BU 04 01 01 10  PART II  Updated November 11 2019  September 28, 2012  Summary: MSO's Businessowners policy (BOP)…

Discusses the Business Income maximum period of indemnity and monthly period of indemnity options.

June 4, 2018 At the request of the California Department of Insurance, AAIS has developed a BOP policy for the cannabis industry. It has been approved…