What it does
BP 10 90 revises the war exclusions in Section I – Property and Section II – Liability to make clear they apply regardless of the means used, explicitly including hostile acts carried out by cyber means. ISO filed it as mandatory and, in the same filing, updated the BOP Information Security Protection endorsement (BP 15 07) to confirm the war exclusion applies to it.
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 state-sponsored cyber attacks can fall within the war exclusion.
- Stand-alone cyber policies differ widely on war and nation-state attack wording; compare when the client buys cyber.
- Expect it on ISO-based BOP renewals where adopted.
