---
title: "Does General Liability Cover Cyber Attacks?"
description: "Generally no for the main costs of a cyberattack; CGL electronic-data exclusions leave incident response and recovery to separate coverage."
canonical: "https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-cyber-attacks-data-breaches-and-ransomware"
page-type: "faq-question"
updated-at: "2026-09-25"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-cyber-attacks-data-breaches-and-ransomware)

# Does General Liability Cover Cyber Attacks?

Generally no for the main costs of a cyberattack; CGL electronic-data exclusions leave incident response and recovery to separate coverage.

The ISO specimen excludes damages from loss, damage, corruption, or inaccessibility of electronic data. A claim alleging bodily injury or physical property damage would need separate review under the policy.

Ask your broker to match forensic response, data restoration, extortion, customer notification, privacy claims, and interruption to the cyber policy. Check its triggers, waiting periods, security conditions, sublimits, and exclusions.

## Related Questions

- [Does General Liability Cover Data Breaches?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-data-breaches)
- [Does General Liability Cover Ransomware?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-ransomware)
- [Does General Liability Cover Privacy Violations?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-privacy-violations)
- [Does General Liability Cover Property Damage?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-property-damage)
- [Does General Liability Cover Bodily Injury and Customer Injuries?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries)

## Related Coverage

- [General liability](https://spot.insure/coverage/general-liability)
- [Cyber liability](https://spot.insure/coverage/cyber)
- [Crime](https://spot.insure/coverage/crime)

## Sources

1. [Commercial general liability insurance](https://www.iii.org/article/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.
2. [Commercial General Liability Coverage Form, CG 00 01 12 07](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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.

More answers: [General Liability Insurance FAQ](https://spot.insure/insurance-faq/general-liability).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-cyber-attacks-data-breaches-and-ransomware.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)