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ISO Commercial Property Program

Summary: Both the Condominium Association Coverage Form (CP 00 17 04 02 ) and the Condominium Commercial Unit-Owners Coverage Form (CP 00 18 04 02 ) closely follow the Building and Personal Property Coverage Form CP 00 10 04 02 discussed elsewhere (see Building and Personal Property Coverage Form ). The CP 00 17 is identical in most respects to form CP 00 10, except in those places where special language is needed to adapt the coverage to the special needs of a condominium association or commercial unit owner.

The differences between the CP 00 17 and the building and personal property form are the subject of this discussion. Differences between the current and previous form are noted.

Topics covered:

Introduction Building descriptionPersonal property descriptionProperty not coveredAdditional coveragesExtensions of coverageDeductible and loss paymentUnit owner’s insurance Waiver of rightsOptional coveragesDefinitions Fitting the insurance to condominium requirements


The Insurance Services Office (ISO) commercial property program provides separate forms for insuring condominium properties from those used for general property. A single form—CP 00 17—is used for condominium associations. This form is used in conjunction with declaration forms, common policy and commercial property coverage conditions, causes of loss, and any of various other endorsements.

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