What it does
CP 10 79 adds a Space Weather exclusion to the Commercial Property Coverage Part or Standard Property Policy. Space weather means any condition or event originating beyond the Earth's upper atmosphere that interacts with the magnetosphere, ionosphere, thermosphere or upper atmosphere and disrupts or interferes with property in space, in the atmosphere or on the ground. The definition names solar wind, space particles, space electromagnetic radiation, solar energetic proton events, high-speed solar wind streams, coronal mass ejections, solar flares and geomagnetic storms. The exclusion applies regardless of any other cause or event that contributes concurrently or in any sequence.
Background
Verisk's 2025 year-in-review describes the ISO Commercial Property 2025 multistate filing as including "a new space weather exclusion". ISO circular LI-CF-2026-003 announced four new multistate endorsements at edition 06 26. This form carries a 2025 ISO copyright and the 06 26 edition date. Availability depends on each state's approval and the carrier's adoption. In Arizona, ISO's forms filing CF-2025-OFR25 (SERFF ISOF-134728874, approved February 3, 2026) makes the 06 26 endorsements effective June 1, 2026 for new and renewal policies. Effective dates in other states depend on each state filing and on carrier adoption.
Key points
- This version has no exception for resulting fire. Its companion, CP 10 80, keeps coverage for direct fire damage that results from space weather.
- Geomagnetic storms can damage transformers, power grids, satellites and electronics. The exclusion keeps those losses, and business interruption from them, out of the property policy.
Quoting and selling notes
- Watch for it on renewals once your carrier adopts the 2025 forms, and compare whether CP 10 79 or the narrower CP 10 80 is attached.
- Clients reliant on GPS, satellite communication or sensitive electronics should know a solar-storm loss would not be covered.
