A California retailer suffers a ransomware attack that exposes the personal data of 50,000 customers. The retailer's CGL policy excludes 'damages arising from access to or disclosure of confidential information.' Which separate policy is most likely intended to respond?
Explanation
Cyber Liability policies cover both first-party costs (forensic investigation, notification under California Civil Code §1798.82, credit monitoring, ransomware payments, business interruption) and third-party liability (regulatory fines, customer lawsuits). Modern CGL forms now include a 'data breach' exclusion (ISO CG 21 06 or similar), making stand-alone cyber coverage essential.
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