Businessowners Liability Coverage

Comparable to CGL Form

Summary: Under the Insurance Services Office (ISO) businessowners program, the property and liability coverages and the general conditions have been incorporated into the current form BP 00 03 07 13 .

In many respects, the liability coverages on the BP 00 03 are comparable to the occurrence version of ISO’s commercial general liability (CGL) coverage form. Consequently, the businessowners insured has essentially the same scope of coverage for premises and operations, products and completed operations, advertising and personal injury, and medical payments as an insured with the CGL form. However, there are some differences between the two forms, as described subsequently in this discussion. For a further discussion of the CGL provisions, see Commercial General Liability Definitions , CGL Coverage Form–Coverage A , CGL Coverage Form—Coverage B, Commercial General Liability Form Medical Payments Coverage, and General Provisions of the CGL.

Following is a discussion of the liability coverages in the BP 00 03 . Many insurers may not have adopted the current form, so take this into account when making coverage determinations.

Topics covered: Business liability coverage Supplementary payments Medical expenses Business liability exclusions Exclusions applicable to medical expenses Nuclear energy exclusion Who is an insured Limits of insurance Liability and medical expenses conditions Liability and medical expenses definitions

Business Liability Coverage

Section II—Liability

A.  Coverages