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<br />NE 00 95 03 22 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 1 of 2
<br />COMMERCIAL EXCESS LIABILITY
<br />THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
<br />EXCLUSION – CYBER INCIDENT
<br />This endorsement modifies insurance provided under the following:
<br />COMMERCIAL EXCESS LIABILITY POLICY
<br />A. The following exclusion is added to Paragraph 2. Exclusions of SECTION I – COVERAGES:
<br />Insurance provided under this policy does not apply to:
<br />Cyber Incident
<br />"Injury or damage", costs or expenses, either directly or indirectly because of, caused by or arising out of:
<br />1. Any:
<br />a. Access to, acquisition, use, collection, copying, processing, storage, dissemination, publication or
<br />disclosure of;
<br />b. Theft, alteration, misuse, loss, misappropriation, disruption of, or damage to; or
<br />c. Failure to provide access to, remove, rectify, destroy, protect or secure, including, but not limited to,
<br />failure to encrypt;
<br />any person's or organization's "confidential information", whether it is "electronic data" or in any other form
<br />or media.
<br />2. The loss of, loss of use of, corruption or impairment of, damage to, disruption or destruction of, or inability
<br />to access, alter or manipulate "electronic data".
<br />3. Any of the following:
<br />a. Denial of service attack on;
<br />b. Misappropriation, diversion, loss or misuse of; or
<br />c. Denial of access to or service of, interruption of service, degradation, loss of use, alteration, failure,
<br />destruction, corruption, or impairment of;
<br />any "computer system", including any insured’s or other person’s or organization’s "computer system".
<br />4. Malicious code, virus or any other harmful code that:
<br />a. Is directed at, enacted upon or introduced into "electronic data" or any "computer system"; or
<br />b. Is designed to access, alter, corrupt, damage, delete, destroy, disrupt, encrypt, exploit, use, prevent or
<br />restrict access to, or otherwise disrupt the normal functioning or operation of "electronic data" or any
<br />"computer system".
<br />5. Transfer, payment or delivery of money or any form of currency, including virtual currency, in response to
<br />a fraudulent instruction or demand.
<br />6. Demand for a ransom payment (in money, or any form of currency, including virtual currency, or property
<br />or services), made in connection with the actual or threatened perpetuation of that which is described in
<br />paragraphs 1. through 5. above.
<br />Such "injury or damage", costs or expenses are excluded regardless of any other cause or event that
<br />contributes concurrently or in any sequence to the "injury or damage", costs or expenses.
<br />This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, payment
<br />card replacement costs, forensic expenses, public relations expenses or any other loss, cost or expense
<br />incurred by you or others arising out of that which is described in paragraphs 1. through 6. above.
<br />DocuSign Envelope ID: C872947D-41CE-4639-8F1A-296D6CD20936
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