What it does
CY 20 13 is one of three optional insuring agreements ISO makes available by endorsement to its 11 21 cyber policies. It adds computer fraud and funds transfer fraud coverage – theft of money or property through fraudulent computer entries and fraudulent instructions to the insured's bank – on the terms of the endorsement. CY 20 14 provides computer fraud alone.
Program context
In ISO's 2020 cyber multistate program revision, Verisk introduced a new Commercial Cyber Insurance Policy form and a new Information Security Protection Cyber Policy form that replaced all prior base coverage forms of the ISO Cyber program, together with new manual rules, loss costs and rating plan. The new forms carry the 11 21 edition (CY 00 02 11 21 and CY 00 03 11 21).
Quoting and selling notes
- Ask about wire and ACH controls such as dual authorization and callback verification.
- Check whether the client's crime policy already covers these perils to avoid overlap or gaps.
- Social engineering (an employee tricked into sending money) is a distinct exposure; confirm how the carrier handles it.
- ISO refiled it in its 2026 cyber rules/forms filings.
