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ISO Form IH 00 83

Summary: Insurance Services Office (ISO) has developed an inland marine form that can be used to insure storage tanks and their contents. The form is IH 00 83 09 09 tank storage coverage form. It can be combined with form CM 00 01 09 04 commercial inland marine conditions form and IL 00 17 11 98 common policy conditions to form a policy that insures against direct physical loss, unless otherwise excluded, to covered property.

The coverage form is not intended to be used for dry products such as grain, but for liquids such as vegetable oil, flavorings, manufacturing and lubricating oils, liquid fertilizer, or other domestic liquids—”domestic” in the sense of located within or transported within the United States, its possessions and territories, Puerto Rico, and Canada.

Following is a discussion of the form, including underwriting considerations.

Topics covered:


Underwriting considerations

Insuring agreement; covered property

Property not covered; covered causes of loss

Additional coverages


Limits of insurance; deductible

Additional conditions



Insurance Services Office inland marine form IH 00 83 09 09 is designed to insure storage tanks and their contents on an open peril basis. The form can be combined with CM 00 01 commercial inland marine conditions and IL 00 17 common policy conditions to form a complete policy.

ISO advises that under the Nationwide Marine Definition, domestic bulk liquid policies that cover tanks and their contents can qualify for inland marine coverage. There are states, though, that have not adopted the 1976 version of the Marine Definition; these states may require that Basic Group I and Basic Group II (refer to the ISO Commercial Property/Fire Manual) coverage be written on a separate property policy. See, for example, New York State. Although ISO rules permit a small property with a single freestanding tank to be written on the tank storage coverage form, New York rules would not allow this.

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