Starr has filed an informational submission in Florida to delay adoption of ISO’s 2025 multistate Commercial General Liability forms and rules.

The filing, submitted on December 31, 2025, applies to Small Business General Liability policies and pushes back implementation of ISO filing GL-2025-OFR25. The revisions would have taken effect for policies issued on and after June 15, 2026, but Starr is opting to adopt the ISO package at a later, unspecified date.

While framed as a delay, the filing offers a window into where Starr is tightening terms. Most notably, the company introduces new exclusions tied to Generative Artificial Intelligence, defined broadly as machine-based systems trained to generate content such as text, images, or code. The filing also clarifies that existing war exclusions extend to losses arising from cyber means, reinforcing carriers’ efforts to limit exposure from cyber-related geopolitical events.

Additional exclusions address Human Trafficking and Assault or Battery, signaling a continued hardening of liability coverage around high-severity and socially sensitive risks.

The filing also adds a new “Litigation Funding Mutual Disclosure” condition. Under this provision, Starr may require disclosure of any third-party litigation funding arrangements if a coverage dispute arises, reflecting growing insurer concern around funded litigation and its impact on claim behavior and settlement dynamics.