BP 05 95 Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion

An Insurance Services Office (ISO) standard form. It gives limited liability coverage for loss of electronic data that results from physical injury to tangible property, up to a scheduled Loss Of Electronic Data Limit per occurrence, and excludes bodily injury or property damage arising out of a cyber incident.

1. 12 23 edition

   Dec 2023, compared with 05 14Latest edition

   • Adds an exclusion for bodily injury or property damage arising out of a cyber incident, such as unauthorized access, malicious code or a denial of service attack, along with a definition of cyber incident.

     05 14

     Not in this edition

     12 23

     “"Bodily Injury" or "property damage" arising out of a "cyber incident"”

2 other edition dates appear in one or two filings each, often carrier-specific versions: 01 06, 1514.

Where filings record what this form replaced, they name earlier edition 05 14. Only some filings record replacements.

• Edition in use: in the past 12 months, 9 companies filed the 12 23 edition.
• BP 18 04 (Exclusion – Violation Of Law Addressing Data Privacy) is filed alongside it most often, in 85 of the same filings (80%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Tokio Marine Holdings Incorporated GroupUses BP 05 95 in 2 filings

• BP 18 04Exclusion – Violation Of Law Addressing Data Privacy85 filings
• BP 18 03Cyber Incident Liability Exclusion84 filings
• BP 15 04Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information81 filings
• BP 15 91Exclusion – Perfluoroalkyl And Polyfluoroalkyl Substances (PFAS)62 filings
• BP 15 06Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information (Personal And Advertising Injury Only)59 filings
• BP 18 06Cyber Incident Liability Exclusion For Electronic Data Liability – Broad Coverage58 filings
• BP 18 09Exclusion – Electronic Data – Deletion Of Bodily Injury Exception57 filings
• BP 18 05Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion, Deletion Of Bodily Injury Exception55 filings
• BP 18 07Cyber Incident Liability Coverage Subject To Each Cyber Incident Occurrence And Aggregate Limits54 filings
• BP 18 08Cyber Incident Liability Coverage And Electronic Data Liability Coverage Subject To Loss Of Electronic Data, Each Cyber Incident Occurrence And Aggregate Limits54 filings