What it does
BP 15 06 is the narrower member of ISO's 12 23 access or disclosure exclusion pair for the BOP. As its title says, it applies to personal and advertising injury only: privacy-type offenses arising out of any access to or disclosure of confidential or personal material or information are excluded, while the bodily injury and property damage coverage is not changed by this endorsement.
Who needs it
Used by carriers that want to remove data-disclosure claims from the personal and advertising injury coverage – where privacy claims most often land – without the broader BP 15 04.
Quoting and selling notes
- When comparing quotes, note which exclusion each carrier uses; BP 15 06 is less restrictive than BP 15 04.
- Neither form provides breach response or first-party cyber coverage; that needs BP 15 07 or a cyber policy.
