What it does
BP 18 41 excludes bodily injury, property damage and personal and advertising injury arising out of generative artificial intelligence – machine-learning systems that generate content such as text, images, audio or code – as defined in the endorsement. BP 18 42 is the narrower version that applies only to personal and advertising injury.
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
- Ask whether the client uses generative AI for marketing, design, content or customer service.
- Advertising and content claims from AI output may need media, technology E&O or cyber coverage.
- Compare carriers: the exclusion is optional.
