Property Coverages


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

January 08, 2024
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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.

December 21, 2023
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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.

December 02, 2019

This article analyzes the MSO Businessowners form BU 04 01.

November 18, 2019

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

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…

June 04, 2013

AAIS Businessowners–Property CoverageStandard and Special Forms September, 2004 Summary: AAIS has introduced a new businessowners…