ISO policy forms

ISO CP 00 10: Building and Personal Property Coverage Form.

Direct answer. A core ISO commercial property coverage form commonly used to describe covered building property, business personal property, property of others, additional coverages, coverage extensions, limits, and conditions when attached to a commercial property policy.

PublisherVerisk ISO
AccessLicensed publisher source
Source reviewed2026-08-29
Current form access

Use the official ISO CP 00 10 source.

Use the insurer-issued policy or authorized Verisk access for the actual form. Hedge does not publish the ISO file.

Do not include insured information or upload risk files in a form request.
ISO CP 00 10 at a glance

The form identity, in plain English.

What is ISO CP 00 10 used for?
A core ISO commercial property coverage form commonly used to describe covered building property, business personal property, property of others, additional coverages, coverage extensions, limits, and conditions when attached to a commercial property policy.
Where is the current form?
Licensed publisher source. Use the publisher link above or request access help from Hedge.
Which edition should I use?
Edition and state filing vary by insurer and jurisdiction.
Does Hedge host the file?
No. Hedge explains the form and links to the official publisher source.
Form-specific context

Distinguish this form from nearby requirements.

CP 00 10 helps define which categories of commercial property are covered at the described premises and how core property provisions operate. The declarations supply location-level limits and other selections. A separate causes of loss form identifies the covered cause-of-loss structure, so CP 00 10 should not be read as a complete answer about what events are insured.

Common points to separate

  • The coverage form is not the same document as the causes of loss form
  • A statement of values supports underwriting but does not replace the declarations
  • Building, business personal property, and property of others are separate interests
Information organized

Facts to prepare.

  • Covered premises and building description
  • Building and business personal property limits
  • Property of others
  • Valuation and coinsurance
  • Causes of loss form and attached endorsements
Quality control

Review before using the form.

  • Match every location and limit to the declarations and statement of values
  • Confirm the applicable causes of loss form
  • Review exclusions, valuation provisions, deductibles, and endorsements
Edition, rights, and market boundary

A form guide is educational and does not interpret coverage, establish that a form applies to a specific policy, prove market access, create a risk submission, or authorize release of material to a market. Confirm the current edition, jurisdiction, policy, carrier, and form requirements with the authorized publisher and intended insurer. Use the insurer-issued policy or authorized Verisk access for the actual form. Hedge does not publish the ISO file.

Related ACORD forms

Application sections commonly considered with ISO CP 00 10.

These relationships help organize a coherent packet. They do not mean every form is required for every account.

ACORD 125 / Core application

Commercial Insurance Application Applicant Information Section

The applicant-information foundation for a commercial insurance submission. It organizes the named insured, business operations, locations, prior coverage, requested lines, and other account-level facts that line-specific sections build on.

Read the ACORD 125 guide →
ACORD 139 / Property and inland marine

Statement and Schedule of Values

A structured schedule for property values by location or item. Markets may also request a spreadsheet statement of values with additional construction, occupancy, protection, and catastrophe fields.

Read the ACORD 139 guide →
ACORD 140 / Property and inland marine

Property Section

The commercial property section used to describe premises, buildings, values, construction, occupancy, protection, causes of loss, deductibles, and other property-specific requests.

Read the ACORD 140 guide →
Related third-party guides

Read the forms together.

ISO CP 10 30 / Commercial property

Causes of Loss Special Form

An ISO commercial property causes of loss form commonly used to provide special-form protection for direct physical loss unless the cause is excluded or limited, subject to the complete policy and endorsements.

Read the form guide →
Related Hedge forms

Hedge-owned supplements that may add class detail.

These fillable Hedge resources can support preparation but do not replace a required publisher or market-specific form.

Any risk

Hedge Schedule of Locations Supplement

A fillable Hedge schedule for presenting multiple premises and location-level exposure information.

View form and fillable PDF →
Common questions

Use ISO CP 00 10 correctly.

Where can I get the current ISO CP 00 10 form?

Use the official publisher source linked on this page or ask Hedge for help identifying an authorized access path. Hedge does not host or redistribute the third-party file.

Does this guide prove the form applies to my account or policy?

No. The intended insurer, policy, jurisdiction, contract, and account facts determine which form and edition apply.

Can I send a completed form through this page?

No. The form-request lane accepts no risk files and does not create or release a submission.

Official source

Verify against the publisher.

Official source

Verisk ISO Forms, Rules, and Loss Costs

Confirm the current form, edition, jurisdiction, access terms, and related requirements with the publisher.

Open official source →
Next step

Assemble the account-specific packet.

Use the class submission guide to identify the underwriting facts and Hedge forms that may apply, then have Hedge confirm the intended market and route.