BP 18 03 Cyber Incident Liability Exclusion

An Insurance Services Office (ISO) standard form. It excludes businessowners liability coverage for bodily injury, property damage and personal and advertising injury arising out of a cyber incident, including related notification, forensic, restoration and extortion costs.

• Edition in use: in the past 12 months, 10 companies filed the 12 23 edition.
• BP 18 04 (Exclusion – Violation Of Law Addressing Data Privacy) is filed alongside it most often, in 113 of the same filings (96%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings.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.

• Chubb Limited GroupUses BP 18 03 in 3 filings
• Tokio Marine Holdings Incorporated GroupUses BP 18 03 in 2 filings

• BP 18 04Exclusion – Violation Of Law Addressing Data Privacy113 filings
• BP 15 04Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information91 filings
• BP 05 95Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion84 filings
• BP 15 06Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information (Personal And Advertising Injury Only)71 filings
• BP 15 91Exclusion – Perfluoroalkyl And Polyfluoroalkyl Substances (PFAS)67 filings
• BP 18 09Exclusion – Electronic Data – Deletion Of Bodily Injury Exception59 filings
• BP 18 06Cyber Incident Liability Exclusion For Electronic Data Liability – Broad Coverage57 filings
• BP 18 05Electronic Data Liability – Limited Coverage Subject To Cyber Incident Exclusion, Deletion Of Bodily Injury Exception54 filings
• BP 18 07Cyber Incident Liability Coverage Subject To Each Cyber Incident Occurrence And Aggregate Limits53 filings
• BP 18 08Cyber Incident Liability Coverage And Electronic Data Liability Coverage Subject To Loss Of Electronic Data, Each Cyber Incident Occurrence And Aggregate Limits53 filings