AAIS Businessowners—Common Endorsements

Summary: The American Association of Insurance Services (AAIS) businessowners coverage forms (BP 0100 and BP 0200) may be tailored to meet the needs of most businessowners. New endorsements, such as BP 07 15 01 04, installation tools and equipment, and BP 07 16 01 04, installation floater, adapt the businessowners coverage form to cover those insureds with off-premises exposures. Endorsement BP 07 14 02 04, computer virus and computer hacking coverage, allow the insured to purchase coverage otherwise excluded for this unfortunately common exposure.

This article describes common endorsements, both adding and excluding coverage that may be used with the businessowners forms. Many endorsements were updated in 2012 or 2015. When an endorsement replaces an existing one, the earlier number will be indicated.

Endorsements covered:

Property coverage endorsements

Time element endorsements

Property exclusion

Additional insured endorsements

Liability coverage endorsements

Professional liability endorsements

Amending the pollution exclusion

Liability exclusions