What does the Electronic Data Liability Endorsement specifically apply to?

The Electronic Data Liability Endorsement specifically covers losses that result from breaches involving electronic data, primarily focusing on incidents that impact the integrity, confidentiality, or availability of that data. This endorsement is designed to address the risks associated with exposure to electronic data, including loss or corruption of data due to a security breach or unauthorized access.

Losses from data breaches fall directly under the scope of this endorsement. It provides coverage for the financial ramifications a business may face due to the mishandling or loss of sensitive data, such as the costs related to notifying affected parties, restoring data, or potential liability claims arising from the breach.

The other options are less relevant in the context of the endorsement. For instance, losses resulting from physical injury pertain more to general liability insurance rather than data coverage. Intangible assets and software failures are also broader categories and may not necessarily align with the specific intent of the Electronic Data Liability Endorsement, which is primarily focused on data itself and the liabilities associated with data breaches.