Which of the following is a non-ISO commercial inland marine coverage form?

• A. Accounts receivable floater
• B. Builders' risk policy
• C. Personal articles floater
• D. Home office contents floater

Answer: (A)

Non-ISO inland marine forms are those not standardized by the Insurance Services Office, meaning an insurer may tailor the form to its own wording and coverage details. Among common commercial inland marine coverages, the Accounts Receivable Floater is typically sold on carrier-specific, non-ISO forms because it is highly customized to how a business records and collects its receivables. This coverage protects a business when amounts owed by customers become uncollectible due to customer default or bankruptcy, and it can also cover costs to recreate records and other related expenses. The other options listed—Builders’ Risk, Personal Articles Floater, and Home Office Contents Floater—are generally standard ISO forms or alignment with ISO inland marine coverage, so they are not the non-ISO option in this context.