Causes of Loss Forms are Office, Inc. insurance services. (ISO), forms of commercial property insurance that identify and identify the causes of loss (or hazard) for which coverage is provided. The cause of loss form is combined with one or more of the coverage forms, commercial property terms form, general policy terms form, and declarations to form an ISO commercial property policy. There are three causes of loss patterns: basic, general, and specific causes of loss patterns. The main and general causes of loss forms are called hazard forms; they provide coverage for losses only for specific causes that are covered by the policy. The form of special causes of loss is the form of all risks; it provides coverage for damages for any reason other than those specifically excluded.