CX 21 43 Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information

An Insurance Services Office (ISO) standard form. It excludes injury or damage arising from access to or disclosure of confidential or personal material or information, including related notification, monitoring and other expenses, except coverage provided by controlling underlying insurance listed in the schedule.

1. 12 23 edition

   Dec 2023, compared with 05 14Latest edition

   • The exclusion now applies to confidential or personal material, not only information.

     05 14

     Not in this edition

     12 23

     “confidential or personal material or information”

   • Biometric information is added to the examples of excluded information.

     05 14

     Not in this edition

     12 23

     “Health information, biometric information”

   • The list of excluded expenses now includes identity monitoring, data restoration and extortion expenses.

     05 14

     “claimed for notification costs, credit monitoring”

     12 23

     “data restoration expenses, extortion expenses”

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

• Edition in use: in the past 12 months, 4 companies filed the 12 23 edition.
• CX 34 03 (Exclusion - Cyber Incident) is filed alongside it most often, in 91 of the same filings (75%).

Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Jun 2026, excluding withdrawn and rejected filings.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

• CX 34 03Exclusion - Cyber Incident91 filings
• CX 24 32Noncontributory And Order Of Response – Other Insurance Condition88 filings
• CU 04 02Loss Of Electronic Data Resulting From Physical Injury To Tangible Property Liability Coverage - Subject To Cyber Incident Exclusion61 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 Exception61 filings
• CU 21 86Exclusion – Access Or Disclosure Of Confidential Or Personal Material Or Information60 filings
• CU 22 37Motor Carrier Endorsement60 filings
• CU 21 88Exclusion - Access Or Disclosure Of Confidential Or Personal Material Or Information (Coverage B Only)59 filings
• CU 04 55Electronic Data Liability Coverage (Coverage A) With Access Or Disclosure Of Confidential Or Personal Information Exclusion (Coverage B)55 filings
• CU 21 87Exclusion - Access Or Disclosure Of Confidential Or Personal Information and Data-Related Liability - Limited Bodily Injury Exception Not Included53 filings
• CU 04 98Cyber Incident Liability Coverage Subject To Each Cyber Incident Occurrence And Aggregate Limits50 filings