What it does
BP 18 03 is ISO's cyber incident exclusion for Section II – Liability of the BOP. It is listed among ISO's 2025 cyber endorsements for the program and works with the property-side cyber incident exclusions (BP 15 60, BP 15 61). Together they make clear that the BOP does not respond to losses caused by hacking, malicious code or denial-of-service attacks.
Who needs it
Carriers attach it to manage silent cyber exposure. Any business that uses networks, connected devices or online systems is affected.
Quoting and selling notes
- Explain the gap and offer cyber coverage. ISO's BOP options include cyber incident liability coverage endorsements (BP 18 07, BP 18 08) and the Information Security Protection endorsement (BP 15 07).
- Compare competing quotes for which cyber exclusions and give-backs each carrier uses.
