Direct answer. 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.
Use the insurer-issued policy or authorized Verisk access for the actual form. Hedge does not publish the ISO file.
CP 10 30 addresses the cause-of-loss structure rather than identifying the insured premises or property limits. The special form is often described using open-peril shorthand, but that shorthand is incomplete without the exclusions, limitations, deductible, protective safeguards, and endorsements attached to the policy. It should be read with the applicable property coverage form and declarations.
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.
These relationships help organize a coherent packet. They do not mean every form is required for every account.
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 →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 →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 →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.
Read the form guide →These fillable Hedge resources can support preparation but do not replace a required publisher or market-specific form.
A fillable Hedge schedule for presenting multiple premises and location-level exposure information.
View form and fillable PDF →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.
No. The intended insurer, policy, jurisdiction, contract, and account facts determine which form and edition apply.
No. The form-request lane accepts no risk files and does not create or release a submission.
Confirm the current form, edition, jurisdiction, access terms, and related requirements with the publisher.
Open official source →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.