What it does
BP 10 89 adds a property exclusion for direct and indirect loss or damage caused by space weather – solar flares, coronal mass ejections, solar radiation, geomagnetic storms and solar wind. ISO filed it as a mandatory endorsement. In states whose standard fire policy laws require coverage for ensuing fire, ISO uses BP 10 91 instead.
Filing and timing
ISO introduced this form in its 2026 Businessowners multistate endorsement filing (BP-2026-OFR26), with the 03 27 edition. Where approved, the filings carry an effective date of March 1, 2027 for new and renewal policies, so agents will see it on 2027 renewals with carriers that adopt it. State approval varies; some states rejected or replaced individual forms.
Quoting and selling notes
- Explain that grid-wide electrical damage from a geomagnetic storm would be excluded.
- Equipment breakdown and utility services coverage should be reviewed with the client for these exposures.
- Expect it on every ISO-based BOP renewal where adopted.
