Insurers Flocking To Data Breach Exclusions In CGL Policies

By Bibeka Shrestha (August 26, 2014, 5:30 PM EDT) -- Insurers are rushing to tack on recently released data breach exclusions to commercial general liability policies, hoping to substantially narrow their exposure to privacy risks. Here, experts provide policyholders the essentials on these game-changing provisions.

The Insurance Services Office Inc., which develops standard insurance contract language, in May unveiled an exclusion that is aimed at wiping out coverage for personal and advertising injuries stemming from the disclosure of personal information. The exclusion applies to a variety of damages, including notification costs, credit monitoring expenses and public relations costs associated with data breaches.

Considering the barrage of high-profile cyberattacks in recent years...

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