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Businessowners Policy Coverage Guide, 7th Edition

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Better understand the businessowners coverages available in the small-to-medium-size business market with this authoritative but quick reference – now covering ISO’s newly implemented Micro-Businessowners Program.

The Businessowners Policy Coverage Guide is an authoritative but quick reference for coverage questions on complex BOP policies helping insurance professionals better understand the coverages available in the small-to-medium-size business market. This title enables you to:

  • Decide when the form may be used—and why it may be the best choice
  • Follow clear examples from real life situations to gain direct insight into important topics
  • Instantly access a full copy of the form for easy reference

Our respected author, Dr. George E. Krauss, CPCU, CLU, is an expert witness in insurance litigation, a business consultant for insurance organizations, and an insurance trainer. In the Businessowners Policy Coverage Guide, he delivers proven, practical guidance that you can apply immediately.

New in the 7th Edition:

As of April 1, 2020, ISO began implementing a new Micro-Businessowners Program, designed for small businesses that do not require a businessowners policy but also do not fit within a homeowners policy.

This edition has been completely updated to reflect the new program, featuring:

  • The new Micro-Businessowners Program forms,
  • Detailed explanations of the new endorsements related to the program,
  • Eligibility requirements of this new program and which businesses are suited for coverage,
  • Detailed explanations and examples of how each coverage applies to certain situations,
  • And more!

Topics Covered:

  • Eligibility
  • Covered property
  • Coverage extensions
  • Limits of insurance, deductibles, and special coverage form limitations
  • Conditions
  • Property definitions
  • Business liability coverage
  • Form endorsements to address exposures created by emerging technologies, privacy issues and terrorism concerns
  • Endorsements to cover unmanned aircraft, cyber liability, green upgrades, off-premises business income for business vehicles and revisions brought about by the extension of the Terrorism Risk Insurance Act
  • American Association of Insurance Services (AAIS) Businessowners program and the differences between AAIS and ISO
  • And More! See the “Table of Contents” section for a full list of topics
Additional Information
SKU 4150007
Publication Date May 11, 2020
ISBN 978-1-949506-55-6
Page Count 440
Author George E. Krauss, D.Ed., CPCU, CLU, ChFC, ARM
Edition 7th
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George E. Krauss

Dr. George E. Krauss, CPCU, CLU, ChFC, ARM is President of

The Magellan Group, Inc., a risk management and consulting firm located in

Pittsburgh, Pennsylvania.

Dr. Krauss holds a B.S.B.A. from Robert Morris University in

Pittsburgh, Pennsylvania, and a M.Ed. and D.Ed. in adult education from The

Pennsylvania State University in State College, Pennsylvania. His insurance

career includes a wide range of positions at both agencies and companies

with experience in the sales, marketing, underwriting, and claim fields.

Dr. Krauss holds the professional designations of Chartered Property

Casualty Underwriter (CPCU) and the Associate in Risk Management

(ARM) from The Institutes and Chartered Life Underwriter (CLU) and the

Chartered Financial Consultant (ChFC) designations from The American

College. He is a former board member of the Pittsburgh Chapter of the

Society of Financial Service Professionals (SFSP), former board member of

the Pittsburgh Life Underwriters Association (NAIFA), past president of the

Allegheny Chapter CPCU Society, and former National Governor of the East

Central Region of the CPCU Society.

In addition to his academic background, Dr. Krauss is an active member

of the insurance educational community. He is a frequent instructor at various

colleges and insurance education associations. He has also acted as an expert

witness and consultant in over 300 legal cases involving various aspects of

insurance agent, broker, and insurance company practices as well as policy

interpretation. He has authored numerous insurance reference manuals

including Homeowners Analysis, Personal Auto Analysis, Dwelling Policy

and Personal Umbrella Policy, and the Businessowners Policy Coverage

Guide. In addition, his property and casualty, life, accident and health, and

public adjusting study manuals are among the most widely used sources of

producer and adjuster licensing preparation in Pennsylvania.