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.

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.

<div class="cms-textAlign-center"><span id="BP 07 02 07 02 Amendment - Aggregate Limits of Insurance (Per Project)"></span>This article reviews the Category 07 Special Trade Contractors endorsements that can be attached to the Businessowners policy.</div>

This article explores several means by which thefts may occur during the busy holiday season, and includes some preventative measures to consider.

A summary of the ISO Circular for December 19, 2024. Circulars provide a wide variety of information from form changes to rules, loss costs, experience reviews and other information.

BP 00 01 01 97 Businessowners Standard Property Coverage Form - Withdrawn.

Discusses dependent property contingencies and available coverages, as well as application of the additional coverage for civil authority.

For certain insurers in Texas catastrophe areas in 2023.

This is a discussion of the builders risk coverages that can be found in the ISO building and personal property coverage form, as contrasted with those found in the builders risk coverage form and the effects on coverage if the builders risk renovations endorsement is also attached.

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.