It seems like virtually every year, insurers introduce changes to their insurance contracts, some good and some not so good -- from the perspective of the insurance buyer. This year is no exception. Along with the changes made by insurers to their independently filed forms are the amendments to the commercial property coverage forms being introduced by the Insurance Services Office (ISO). To say it is difficult to improvise when writing rental value coverage for a landlord's benefit is truly an understatement. Given that it is so common for a landlord to require loss of rental income in rental and lease agreements, one would think an appropriate form would long have been available. A new endorsement now available to accommodate such requests is titled "Business Income -- Landlord As An Additional Insured. To make it easier for tenants confronted with the obligation to cover building glass, ISO has introduced an endorsement titled "Building Glass -- Tenant's Policy."