Businessowners Hub 

Hot Topics in 2023

Shortlisted topics for multistate insurance program changes


Newly created webpage that explores the potential liability exposures related to PFAS and corresponding Verisk initiatives. We are currently preparing a Multistate Forms and Rules filing introducing an endorsement addressing per-and polyfluoroalkyl substances (PFAS).

Climate Change

We’re currently preparing a Rules filing in response to California Regulation Mitigation In Rating Plans And Wildfire Risk Models (REG-2020-00015)

Cyber Risks

We are currently preparing a Multistate Forms and Rules filing introducing, revising, and withdrawing endorsements addressing cyber-related issues and data privacy

Supply Chain

A Supply Chain Disruption Business Income/Extra Expense Endorsement was discussed during this year’s Roundtable Presentation.

Major Projects

Businessowners Multistate Revision Addressing Cyber-Related Issues, Data Privacy and PFAS

This forms and rules filing introduces, revises and withdraws various endorsements addressing cyber-related issues, data privacy and per-and polyfluoroalkyl substances (PFAS). The filing also revises multistate rules in Division Ten-Businessowners of the Commercial Lines Manual (CLM) to reflect the new endorsements.

Businessowners Multistate Program Revision

This filing introduces various revisions to the Businessowners Coverage Form and endorsements as well as new and revised Businessowners manual rules, which correspond to the companion Businessowners multistate forms. This filing also introduces a variety of revisions to the ISO Businessowners classification table. 

Contact the Businessowners Team

Our product team is available for support. Email us with any questions or comments and we’ll direct your inquiry to the right person and be in touch.


xi_june_23Available Report
2023 Executive Insights: Businessowners 
This edition of the 2023 Executive Insights: Businessowners summarizes key trends in businessowners insurance from the first-quarter of 2018 to fourth-quarter 2022, derived from Verisk’s statistical data.
soccial inflation.pngAvailable Webinar
Social Inflation & Third-Party Litigation Funding: Trends and Impacts
We team up with special guests from Swiss RE to break down the latest updates and trends in important areas to help insurers meet the growing claims challenges.
Available Webinar
Micro-Businessowners: Insuring Shared Space and Gig Economy Business
This session speaks to the opportunity to insure the growing shared-space and home-based Micro-Businessowners segment.

Meet the Team

Elizabeth Duncan

Elizabeth Duncan is the product development lead on Verisk’s commercial property product development team, focusing on the businessowners program. Elizabeth has more than 20 years of experience in the commercial property and casualty industry, working as a product manager and product developer for carriers in the Southeast specializing in catastrophe-prone areas. Her responsibilities include researching and developing forms and rules, maintaining communication and relationships with customers, and general support of Verisk’s commercial property products.

Verisk Activity

Coming soon: links to related content for participating subscribers!

Tools and Resources

Circular Alert Service open_in_new

With the Circular Alert Service you'll receive a daily email notifying you of the latest circular releases. You can personalize your alert by types of circulars, LOB, states and more.

ISO Education open_in_new

Available on-demand, ISO Education content is produced & maintained by the subject matter experts that develop and manage the products, so you can be confident that the material is extensive and relevant.  

Verisk Speakers Bureau open_in_new

Request an insurance thought leader to speak at your next event. Verisk leaders and innovators are sought after to speak at insurance industry events on a wide range of topics. 

BOP Whitepaper open_in_new

Discover a piece-by-piece blueprint for constructing a BOP program in our new white paper. See how advanced analytics grounded in deep data resources and industry knowledge can lead to more certainty and less guesswork.

Explore Businessowners Insights

ISO Risk Analyzer®

ISO Risk Analyzer® Businessowners uses predictive modeling to examine hundreds of indicators to predict expected losses on a by-peril basis at granular geographies. As a result, insurers can more accurately price small business risks.