Does Professional Liability Cover Data Breaches?
Many E&O policies exclude some privacy and security events; cyber coverage may address breach response and liability under separate terms.
A breach can create your response expenses, a client claim, regulatory action, or lost income. An NAIC guide separates first-party cyber costs from third-party claims, and the sample Hiscox E&O form excludes some failures to protect personal information.
Compare security-failure definitions, vendor coverage, privacy liability, incident-response services, waiting periods, sublimits, and coordination in the cyber and E&O forms. Ask which responds to an accidental disclosure during your service work.
