CU 04 02 Loss Of Electronic Data Resulting From Physical Injury To Tangible Property Liability Coverage - Subject To Cyber Incident Exclusion

An Insurance Services Office (ISO) standard form. It gives umbrella liability coverage for loss of electronic data that results from physical injury to tangible property, up to a scheduled Loss Of Electronic Data Limit per occurrence, and treats that data loss as property damage.

1. 06 26 edition

   Jun 2026, compared with 12 23Latest edition

   • The endorsement no longer adds its own cyber incident exclusion or the cyber incident definition.

     12 23

     “"Bodily injury" or "property damage" arising out of a "cyber incident".”

     06 26

     Removed

2. 12 23 edition

   Dec 2023, compared with 05 14

   • The endorsement no longer adds an exclusion for access to or disclosure of confidential or personal information under Coverages A and B.

     05 14

     “Access Or Disclosure Of Confidential Or Personal Information”

     12 23

     Removed

   • A cyber incident exclusion is added for bodily injury and property damage, along with a definition of cyber incident.

     05 14

     Not in this edition

     12 23

     “"Bodily injury" or "property damage" arising out of a "cyber incident".”

Where filings record what this form replaced, they name earlier editions 05 14, 12 23. Only some filings record replacements.

• Edition in use: in the past 12 months, 10 companies filed the 12 23 edition and 2 companies filed 06 26.
• CU 21 86 (Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information) is filed alongside it most often, in 115 of the same filings (94%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Sep 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.

• Berkshire Hathaway GroupUses CU 04 02 in 1 filing
• Fairfax Financial GroupUses CU 04 02 in 1 filing

• CU 21 86Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information115 filings
• CU 04 54Loss of Electronic Data Resulting From Physical Injury To Tangible Property Liability Coverage - Subject To Cyber Incident Exclusion - Deletion Of Bodily Injury Exception113 filings
• CU 21 88Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information (Coverage B Only)110 filings
• CU 34 56Exclusion – Cyber Incident97 filings
• CU 04 98Cyber Incident Liability Coverage Subject To Each Cyber Incident Occurrence And Aggregate Limits96 filings
• CU 04 99Cyber Incident Liability Coverage And Loss Of Electronic Data Liability Coverage Subject To Loss Of Electronic Data, Each Cyber Incident Occurrence And Aggregate Limits96 filings
• CU 00 05Exclusion - Violation Of Law Addressing Data Privacy95 filings
• CU 22 37Motor Carrier Endorsement78 filings
• CU 24 77Noncontributory And Order Of Response – Other Insurance Condition72 filings
• CU 34 55Exclusion - Electronic Data - Deletion Of Bodily Injury Exception71 filings