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.

A summary of the ISO Circular for March 10, 2026. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.

With a proposed effective date of June 1, 2026, ISO is revising the title of one commercial property endorsement and adding three new endorsements. According to ISO, none of these endorsements add or remove coverage under the policy but are a clarification or reinforcement of coverage intent.

A summary of the ISO Circular for February 12, 2026. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews, and other information.