A standard general liability policy is designed to cover physical risks, such as a customer slipping and falling in your store (bodily injury) or damage to someone else’s property. These policies almost always contain specific exclusions for risks related to digital data, networks, and cyberattacks. Cyber liability insurance is a specialized policy created to fill this critical coverage gap. It protects your intangible assets, like your data and reputation, and addresses the unique financial costs of a data breach that your other policies will not cover.