Commercial Property Conditions CP 00 90 applies to which policies?

• A. Homeowners policies
• B. ISO commercial property policies
• C. Farmowners policies
• D. Personal auto policies

Answer: (B)

CP 00 90, Commercial Property Conditions, is the standard ISO form that governs how ISO commercial property coverage works. It is designed to be attached to ISO commercial property policy forms and outlines the insured’s and insurer’s duties, how losses are handled and valued, what happens if there is other insurance, and common policy administration rules such as cancellation or changes. This form is specific to commercial property programs and is not used with personal lines such as homeowners, farmowners, or personal auto policies. Those lines use different sets of forms (HO for homeowners, FP for farmowners, PAP for personal auto). So CP 00 90 applies to ISO commercial property policies.