• A commercial property terms form is included with every Inc. commercial property insurance policy. (ISO). This form (CP 00 90) establishes the terms of the policy in relation to the following matters: concealment, misrepresentation and fraud; property control; insurance for two or more coverages; legal action against the insurer; liberalization; no benefit to the custodian; other insurance; period of validity of the policy and territory of validity; and the transfer of foreclosure rights against others (surrogation).