Does General Liability Cover Ransomware?
CGL generally excludes electronic-data losses, while cyber policies may cover specified extortion, recovery, and interruption costs.
The ISO specimen excludes damages from electronic-data loss, corruption, or inaccessibility; ransomware response and recovery costs need separate cyber terms.
Ask the broker about cyber coverage for extortion, response vendors, data recovery, and interruption. Check consent rules, waiting periods, sublimits, exclusions, and notice deadlines.
Coverage Guides Related to General Liability Insurance
Sources for This Answer
- Commercial general liability insurance. Insurance Information Institute; What commercial general liability insurance covers; Coverage A, B and C; Additional liability coverages to consider. Accessed 2026-09-25.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; Workers Compensation; Commercial Property. Accessed 2026-09-25.
- Commercial General Liability Coverage Form, CG 00 01 12 07. ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25.