What it does
CY 20 85 is a generative artificial intelligence exclusion filed by ISO for the cyber program in 2026 with an 04 27 edition. It removes loss connected with generative AI as defined in the endorsement.
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 whether the client uses or sells generative AI tools.
- Compare with cyber markets that affirmatively cover AI-related incidents.
- Watch for it on renewals effective 2027.
