Does general liability insurance cover cyber incidents?

General Liability Insurance typically does not cover cyber incidents. General Liability Insurance is designed to protect businesses from claims related to bodily injury, property damage and personal injury that occur because of their normal business operations. It is not tailored to address the specific risks and financial consequences associated with cyber incidents, such as data breaches, cyberattacks, or the theft of sensitive information.

To address cyber-related risks and incidents, including data breaches, many businesses opt for dedicated Cyber Liability Insurance. Cyber Liability Insurance is specifically designed to provide coverage for the financial and legal costs associated with cybersecurity breaches and cyber incidents. This type of insurance can help with expenses related to data breach notification, data recovery, legal defense, regulatory fines, and liability claims resulting from a cyber incident.