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ISO Commercial Property and Businessowners Mandatory Cyber Incident Exclusion Endorsements Analysis

Discusses and analyzes mandatory ISO cyber incident exclusions applicable to commercial property coverages, with a proposed effective date of 12/1/2020.

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Summary:

ISO has introduced proposed filings which will add two mandatory cyber incident exclusion endorsements and in addition will amend the spoilage coverage endorsement so that the provisions of either of the two cyber exclusion endorsements will also apply to such coverage. The endorsements being filed will apply to both Commercial Property and Businessowners policies. However, the filing has not yet been made for the Businessowners endorsements so there is no proposed effective date at this time for those endorsements. The proposed effective date for the commercial property endorsements is 12/1/20.

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