Windsor-Mount Joy Mutual Insurance Company has submitted a form filing in Maryland to introduce a new exclusion for electronic vandalism. The filing, submitted on November 17, 2025, takes effect March 1, 2026 for new business and April 1, 2026 for renewals.

The change stems from a requirement by one of the company’s reinsurance partners, prompting Windsor-Mount Joy to add a new endorsement—MD MH T2701 Electronic Vandalism—that formally excludes coverage for losses arising from electronic vandalism. This is a form-only filing with no rating impact, and the company anticipates minimal effect on policyholders.