Cause of Loss Forms Insurance

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Basic cause of loss form is the least comprehensive coverage

Broad cause of loss form covers more incidents including burglary and riots

Special cause of loss form is different in that it lists everything not covered


Cause of loss forms are part of an insurance bundle. Also known as peril forms, they specifically list what the insurance will cover.

Businesses use cause of loss forms to ensure that the insurance will reimburse every possible issue.

We discuss how this type of policy fits into the family of business insurance policies and when you may need it. 

Cause of Loss Forms insurance

What Are Cause of Loss Forms and What Do They Cover? 

Cause of loss forms are part of an insurance bundle. Also known as peril forms, they specifically list what the insurance will cover.

Businesses use cause of loss forms to ensure that the insurance will reimburse every possible issue.

There are three kinds of cause of loss forms:

  • The basic cause of loss form
  • The broad cause of loss form
  • The special cause of loss form

Each of these covers a different amount of natural disasters, accidents, and theft.

Basic provides the least comprehensive coverage and broad covers more incidents, including burglary and riots.

Cause of Loss Forms insurance

The special cause of loss form is a bit different, however.

Instead of listing everything covered in the insurance plan, this form lists everything not under warranty.

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With a special cause of loss, a business can tailor its coverages to its specific needs and area.

This type of cause of loss form is an all-risk coverage form. 

These forms are vital to an insurance policy; without them, it would be impossible to claim benefits.

Cause of loss forms provide a way to be entirely transparent with an insurance policy and not let anything slip through the cracks. 

Dodo Definitions

insurance terms explained:

Independent Insurance Agency:  You can buy insurance from an indendent agency but they represent other companies (typically several).  For example, an independent agent who works for Acme Insurance Agency might sell you an auto insurance policy insured by Travelers Insurance.

What Types of Businesses Need Cause of Loss Forms?

Cause of loss forms are part of every insurance policy and are vital to know what the insurance covers.

While every business needs insurance (and, therefore, cause of loss forms), not every business needs special packages. 

Every business needs a cause of loss form to ensure that they are not missing any critical insurance coverage.

If you are looking at insurance policies and are not satisfied with the basics they cover, you can request a broad or special cause of loss form to increase your protection. 

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