What it does
BP 18 42 limits the generative artificial intelligence exclusion to personal and advertising injury, leaving bodily injury and property damage coverage unaffected. It targets claims such as defamation, privacy or infringement in advertising arising from AI-generated content.
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
- Less restrictive than BP 18 41; note which one a quote carries.
- Clients using AI to produce ads or marketing content are most affected.
- Consider media or technology E&O coverage for content risk.
