What it does
CU 00 05 was introduced in ISO's 2023 umbrella filing. It excludes injury or damage arising out of violations of laws addressing data privacy, as described in the endorsement. ISO also files an Alaska version (CU 01 47).
Who needs it
Applied broadly, especially to businesses that collect biometric or personal data.
How it fits the umbrella
The umbrella has its own exclusions that apply whether or not the underlying policies cover the claim, and many ISO umbrella exclusion endorsements mirror a CGL or auto exclusion so that the umbrella does not drop down where the underlying is excluded. When an underlying policy carries an exclusion, check that the umbrella carries the matching CU endorsement, or explain the gap if it does not.
Quoting and selling notes
- Ask about biometric time clocks and customer data collection; refer to cyber or privacy coverage.
