What it does
CX 21 43 excludes injury or damage arising out of access to or disclosure of confidential or personal material or information. ISO filed the 12 23 edition with its 2023 cyber and data endorsements.
Who needs it
Applied broadly.
How it fits the excess layer
The ISO excess form follows the provisions, exclusions and limitations of the controlling underlying insurance unless the excess form or an endorsement says otherwise. Excess endorsements therefore either add a restriction the underlying does not have, or adjust how the excess layer follows the underlying. Check every CX endorsement on a quote against the underlying policy so the layers line up.
Quoting and selling notes
- Refer data breach and privacy exposure to a cyber policy.
