PF&M COMPANION
Approved by individual states, through May 2002
By Bruce Hicks, CLU, CPCU
COUNTRYWIDE
Commercial Automobile I
ISO has introduced the following forms:
* CA 23 37 01 02 - War, Military Action And Terrorism Exclusion
* CA 23 38 01 02 - War, Military Action And Terrorism Exclusion--Garage Coverage Form
* A 26 14 01 02 - Amendment Of Single Interest Policy Provisions - War, Military Action And Terrorism Exclusion
These forms replace the policy's previous war exclusion language to create, essentially, an absolute exclusion against damage that is caused by military or terrorist actions. There is also a newly defined term, "terrorism."
Commercial Automobile II
ISO has introduced a multi-state revision consisting of the introduction of form CA 20 78 09 02, Physical Damage Coverage - Autos Held For Sale by Non-Dealers and revisions to forms:
CA 99 10 10 01 Drive Other Car Coverage - Broadened Coverage For Named Individuals
CA 99 48 10 01 Pollution Liability - Broadened Coverage For Covered Autos - Business Auto, Motor Carrier, And Truckers Coverage Forms
CA 99 55 10 01 Pollution Liability - Broadened Coverage For Covered Autos - Garage Coverage Form
The DOC form was created to provide physical damage protection for cars held and sold by businesses that are covered by a CGL but which don't have a constant auto exposure that justifies a Business Auto policy. The other forms contain editorial changes that, per ISO, clarify their coverage intent.
What follows is a list of individual states and which of the above changes each has approved involving ISO forms and programs. The text will not be repeated but will refer back to this countrywide section.
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
ARIZONA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after August 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto I--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after February 19, 2002.
Form CA 21 39 09 02, Arizona Uninsured Motorists Coverage and CA 21 40 09 02, Arizona Underinsured Motorists Coverage have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002. The forms limit the time and circumstances under which an insured can pursue a UM or UIM claim.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
Personal Auto--Form PP 01 67 09 02, Amendment of Policy Provisions - Arizona has been approved. The form is available for use by all participating insurers for all policies written on or after September 1, 2002. The form was revised to reflect the change in state law regarding property damage thresholds.
ARKANSAS
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
CALIFORNIA
Businessowners--ISO's multi-state forms filing introducing their 2002 BOP program, along with the following state-specific forms has been approved for use:
* BP 01 55 07 02 California Changes
* BP 01 10 07 02 California Additional Earthquake Coverage
* BP 10 47 07 02 California Limited Earthquake Endorsement (Residential Property Lessor's Risk)
The new edition of the program is available for use by interested insurers with a distribution date of August 2002.
COLORADO
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Interested insurers must determine their own effective date and document their justification for use of the endorsements.
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all interested insurers and will carry a distribution date of September 1, 2002.
Form CA 21 50 08 02, Colorado Uninsured Motorists Coverage - Bodily Injury has been approved for use by interested insurers. The form has been revised in response to the state's Supreme Court decision, prompting the removal of the form's previous "owned but not insured" exclusion. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 1, 2002.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all interested insurers and will carry a distribution date of August 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
DELAWARE
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Farm--The ISO multi-state filing introducing Form FB 10 31 07 02, War Or Terrorism Exclusion Endorsement has been approved for use by all participating insurers for all policies written on or after July 1, 2002. The form excludes coverage for loss directly or indirectly related to military or terrorist acts.
DISTRICT OF COLUMBIA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after August 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Lines--The multi-state filings introducing ISO's new Capital Assets Program (replacing its Manufacturer's Output Policy) and interline forms have been approved for use by all participating insurers for all policies written on or after August 1, 2002. (For more information, please see the "PF&M Companion" in the May 2002 issue of Rough Notes magazine.)
FLORIDA
Personal Auto--Forms PP 05 54 08 02, Personal Injury Protection Coverage - Florida, PP 05 55 08 02, Added Personal Injury Protection Coverage - Florida and PP 05 66 08 02, Extended Personal Injury Protection Coverage - Florida have been approved. The forms are available for all interested insurers for all policies written on or after August 1, 2002. The forms were revised to conform with requirements concerning payments under the state's PIP provisions.
GEORGIA
Businessowners--ISO's multi-state forms filing introducing their 2002 BOP program has been approved for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Lines--Several interline endorsements have been approved in anticipation of the availability of ISO's new Capital Assets Program (replacing its Manufacturer's Output Policy). The interline forms have been approved for use by all participating insurers for all policies written on or after September 1, 2002. (For more information, please see the "PF&M Companion" in the May 2002 issue of Rough Notes magazine.)
Farm--The following forms, along with ISO's multi-state program form filing have been approved for use by all participating insurers for all policies written on or after September 1, 2002:
* FB 01 05 07 02, Georgia Changes
* FB 02 05 07 02, Georgia Changes - Cancellation And Nonrenewal
* FB 04 63 07 02, Georgia Changes - Farm Premises And Personal Umbrella Liability
GUAM
Commercial Liability Umbrella-ISO has approved the multi-state forms filing introducing:
* changes to several definitions and exclusions to acknowledge the exposures presented by Web sites and electronic publishing
* a clarification of the property status of electronic data
* a revision of a mandatory endorsement to comply with premium audit requirements
* a clarification of the insured status of trusts and volunteer workers and
* a variety of editorial changes
The forms are available for use by interested insurers with a distribution date of August 2002. (For additional information, please refer to the "PF&M Companion" in the October 2001 issue of Rough Notes magazine.)
IDAHO
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
ILLINOIS
Personal Auto--Form PP 01 74 08 02, Amendment Of Policy Provisions - Illinois, PP 03 17 08 02, Snowmobile Endorsement - Illinois and PP 13 67 08 02, Named Non-Owner Coverage - Illinois. The forms are available for all interested insurers for all policies written on or after August 1, 2002. The forms were revised to conform with a recent court decision and to comply with concerns from the insurance department.
INDIANA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
Dwelling Liability, Dwelling Program, Homeowners--The optional exclusions filed by ISO to exclude coverage for terrorism have been approved for use. The following forms are available for all interested insurers via an attachment with the filing circular:
* DL 24 08 01 02 Exclusion of War And Terrorism
* DL 98 29 01 02 Personal Umbrella Liability Policy War and Terrorism Exclusion Endorsement
* DP 05 36 01 02 Exclusion of War And Terrorism
* HO 05 17 01 02 Exclusion of War And Terrorism
Insurers wishing to use the forms must make their own filing--including justification of why the forms are needed.
IOWA
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
KANSAS
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
KENTUCKY
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
LOUISIANA
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after November 1, 2002.
General Liability--Form CG 26 79 05 02, Louisiana Changes - Pollutants and Hostile Fire Definitions has been approved for use by all participating insurers for all policies written on or after April 25, 2002. The form provides definitions of "pollutants" and "hostile fire" which apply to several multi-state endorsements.
MAINE
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after August 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Liability Umbrella, General Liability--ISO's multi-state forms on fungi and bacteria have been approved for use by all participating insurers for all policies written on or after August 1, 2002. These forms permit either the complete or partial exclusion of coverage for damage caused by mold and similar sources. They were modified from the multi-state versions to eliminate language regarding concurrent causation.
Dwelling Liability--Form DL 24 71 04 02, Limited Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. The form has been approved for use by all participating insurers for all policies written on or after July 1, 2002.
MARYLAND
Commercial Auto I--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after April 19, 2002.
Commercial Lines--The multi-state filing introducing ISO's new Capital Assets Program (replacing its Manufacturer's Output Policy) and interline forms has been approved for use by all participating insurers for all policies written on or after October 1, 2002. For more information, please see the "PF&M Companion" in the May 2002 issue of Rough Notes magazine.
MASSACHUSETTS
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
Farm--The ISO multi-state filing introducing Form FB 10 31 07 02, War Or Terrorism Exclusion Endorsement has been approved for use by all participating insurers for all policies written on or after July 1, 2002. The form excludes coverage for loss directly or indirectly related to military or terrorist acts.
MICHIGAN
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto I--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after March 1, 2002.
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 24 73 06 02, Limited Fungi, Wet or Dry Rot, or Bacteria Coverage, has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. The form has been approved for use by all participating insurers for all policies written on or after July 1, 2002.
MINNESOTA
Commercial Auto II---The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Liability Umbrella, General Liability--ISO's multi-state introduction of optional fungi or bacteria endorsements and the commercial liability umbrella program have been approved for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Property--ISO's multi-state introduction of their 2000 edition program, along with the following state-specific forms has been approved for use by all participating insurers for all policies written on or after August 1, 2002:
* CP 01 08 08 02 Minnesota Changes
* CP 01 50 10 00 Minnesota Changes - Replacement Cost - Personal Property
* CP 04 43 10 00 Minnesota Changes - Functional Building Valuation
* CP 11 20 06 01 Builders Risk - Collapse During Construction
Employment-Related Practices Liability--The state has approved ISO's 2001 revisions to its multi-state program for handling workplace-related liability exposures. The forms have been approved for all participating insurers for all policies written on or after October 1, 2002.
MISSISSIPPI
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Farm--The ISO multi-state filing introducing Form FB 10 31 07 02, War Or Terrorism Exclusion Endorsement has been approved for use by all participating insurers for all policies written on or after July 1, 2002. The form excludes coverage for loss directly or indirectly related to military or terrorist acts.
MISSOURI
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
Farm--The ISO multi-state filing introducing Form FB 10 31 07 02, War Or Terrorism Exclusion Endorsement has been approved for use by all participating insurers for all policies written on or after July 1, 2002. The form excludes coverage for loss directly or indirectly related to military or terrorist acts.
MONTANA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
NEBRASKA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto I--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after April 23, 2002.
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
NEVADA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after August 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Form CA 21 37 08 02, Nevada Uninsured Motorists Coverage has been approved. The form is available for use by all participating insurers for all policies written on or after August 1, 2002. The form was revised to delete a previous requirement provision on arbitration.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items have been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
NEW HAMPSHIRE
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after October 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of WarAnd Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Homeowners--ISO announced that it has withdrawn its filing of form HO 24 84 09 01, Exclusion Of Animal-Related Liability. The form was intended to exclude liability for loss related to any animal appearing in the form's schedule. The filing was withdrawn after ISO decided it was inappropriate to entertain the insurance department's request to develop an option to buy back limited coverage.
NEW JERSEY
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
NEW MEXICO
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
NEW YORK
Commercial Auto II--The program changes referred to in the Countrywide section, along with the following state-specific forms have been approved:
CA 01 12 09 02 New York Changes In Business Auto, Business Auto Physical Damage, Motor Carrier And Truckers Coverage Forms
CA 01 52 09 02 New York Changes In Garage Coverage Form
CA 20 75 09 02 New York Coverage For Certain Operations In Connection With Railroads
CA 99 10 09 02 Drive Other Car Coverage - Broadened Coverage For Named Individuals
The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
NORTH CAROLINA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after September 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Lines--The multi-state filing introducing ISO's new Capital Assets Program (replacing their Manufacturer's Output Policy) and interline forms has been approved for use by all participating insurers for all policies written on or after September 1, 2002. For more information, please see the "PF&M Companion" in the May 2002 issue of Rough Notes magazine.
Commercial Liability Umbrella, General Liability--ISO's multi-state forms on fungi and bacteria have been approved for use by all participating insurers for all policies written on or after October 1, 2002. These forms permit either the complete or partial exclusion of coverage for damage caused by mold and similar sources.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Farm--The ISO multi-state filing introducing Form FB 10 31 07 02, War Or Terrorism Exclusion Endorsement has been approved for use by all participating insurers for all policies written on or after September 1, 2002. The form excludes coverage for loss directly or indirectly related to military or terrorist acts.
NORTH DAKOTA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
OHIO
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Lines--The ISO multi-state introduction of interline forms for facilitating the use of its Farm Liability Umbrella policy has been approved for use by all participating insurers for all policies written on or after August 1, 2002.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
Farm--The ISO multi-state filing introducing its Farm Liability Umbrella and related forms has been approved for use by all participating insurers for all policies written on or after August 1, 2002. The umbrella form may be used in conjunction with an underlying standard farm and auto (personal or commercial) policy.
OKLAHOMA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Lines--The multi-state filing introducing ISO's new Capital Assets Program (replacing its Manufacturer's Output Policy) and interline forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002. (For more information, please see the "PF&M Companion" in the May 2002 issue of Rough Notes magazine.)
Farm--The ISO multi-state filing introducing Form FB 10 31 07 02, War Or Terrorism Exclusion Endorsement has been approved for use by all participating insurers for all policies written on or after July 1, 2002. The form excludes coverage for loss directly or indirectly related to military or terrorist acts.
OREGON
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Property, Commercial Inland Marine, Farm--The following forms have been approved for use by all participating insurers for all policies written on or after August 1, 2002:
* IL 01 39 06 02 Oregon Changes
* IL 04 15 04 98 Protective Safeguards
IL 01 39 was revised to add a previously used Mortgageholders Condition. IL 04 15 is a multi-state form that was introduced as a replacement for a withdrawn, state-specific form.
PENNSYLVANIA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Farm--The ISO multi-state filing introducing Form FB 10 31 07 02, War Or Terrorism Exclusion Endorsement has been approved. It is available for use by all interested insurers with a distribution date of July 2002. The form excludes coverage for loss directly or indirectly related to military or terrorist acts.
RHODE ISLAND
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Farm--The ISO multi-state filing introducing Form FB 10 31 07 02, War Or Terrorism Exclusion Endorsement has been approved. It is available for use by all interested insurers with a distribution date of July 2002. The form excludes coverage for loss directly or indirectly related to military or terrorist acts.
SOUTH DAKOTA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Lines--The following forms have been approved for use by all participating insurers for all policies written on or after September 1, 2002:
* IL 02 32 09 02 South Dakota Changes - Cancellation And Nonrenewal
* BM 02 06 09 02 South Dakota Changes
* BP 01 26 09 02 South Dakota Changes
* CG 28 22 09 02 South Dakota Changes - Cancellation And Nonrenewal (OCP)
* CG 28 63 09 02 South Dakota Changes - Cancellation And Nonrenewal (Railroad)
* CM 02 07 09 02 South Dakota Changes
* CP 01 19 09 02 South Dakota Changes
* FP 01 40 09 02 South Dakota Changes
These forms were revised in order to comply with state law that now requires 60 days' advance notice of nonrenewal.
TENNESSEE
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
Farm--The ISO multi-state filing introducing Form FB 10 31 07 02, War Or Terrorism Exclusion Endorsement has been approved for use by all participating insurers for all policies written on or after July 1, 2002. The form excludes coverage for loss directly or indirectly related to military or terrorist acts.
TEXAS
Employment-Related Practices Liability--The state has approved a number of forms which revise the '98 edition of the ERPL program used in the state. The filing included an advisory Declarations Page that incorporates highlighted wording to alert insureds to the fact that the coverage is on a claims-made basis. The forms have been approved and are available with a distribution date of September 2002.
UTAH
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
VERMONT
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Liability Umbrella--ISO's multi-state forms filing has been approved for use by all participating insurers for all policies written on or after August 1, 2002. It introduces:
* changes to several definitions and exclusions to acknowledge the exposures presented by Web sites and electronic publishing
* a clarification of the property status of electronic data
* a revision of a mandatory endorsement to comply with premium audit requirements
* a clarification of the insured status of trusts and volunteer workers
* a variety of editorial changes
(For additional information, please refer to the "PF&M Companion" in the October 2001 issue of Rough Notes magazine.z)
VIRGIN ISLANDS
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
WASHINGTON
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Form CA 21 34 07 02, Washington Underinsured Motorists Coverage has been approved for use by all participating insurers for all policies written on or after August 1, 2002. The form was revised to make its wording under the "Legal Action Against Us" provision comply with state requirements.
WEST VIRGINIA
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Dwelling Liability--Form DL 98 17 04 02, Personal Umbrella Liability Policy Exclusion - Fungi, Wet or Dry Rot, or Bacteria Coverage has been approved for use by interested insurers. The form is an optional endorsement that excludes BI or PD arising out of exposure to mold. An insurer interested in using the form must make an individual filing. The form has a distribution date of August 2002.
WISCONSIN
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
WYOMING
Businessowners--ISO's multi-state forms filing introducing the following forms has been approved for use by all participating insurers for all policies written on or after July 1, 2002:
* BP 05 11 07 02 Exclusion Of War, Military Action And Terrorism
* BP 05 12 07 02 Exclusion Of Terrorism (With Limited Exception) And Exclusion Of War And Military Action
* BP 05 13 07 02 War Or Terrorism Exclusion
Commercial Auto II--The program changes referred to in the Countrywide section have been approved. The forms are available for use by all participating insurers for all policies written on or after September 1, 2002.
Commercial Property--ISO's multi-state filing introducing revisions related to the handling of electronic data, commerce transacted in cyberspace, mold and other items has been approved. The forms are available for use by all participating insurers for all policies written on or after August 1, 2002.
Farm--The ISO multi-state filing introducing Form FB 10 31 07 02, War Or Terrorism Exclusion Endorsement has been approved for use by all participating insurers for all policies written on or after July 1, 2002. The form excludes coverage for loss directly or indirectly related to military or terrorist acts. *