Commercial Liability Insurance Exclusions

Summary

BIPA claims in Illinois involve complex issues with commercial general liability insurance, particularly with exclusions like recording and distribution, and access and disclosure. These exclusions may prevent coverage for claims related to unauthorized data access or distribution. Consult your insurance provider for specific guidance.

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I would like to understand the application of commercial general liability insurance and the application of exclusions like the “recording and distribution exclusion “ and the “access and disclosure exclusion” to Illinois bipa claims
Hi ****! BIPA (Biometric Information Privacy Act) claims in Illinois can be complex, especially concerning commercial general liability insurance and its exclusions. Generally, these exclusions might apply:
- Recording and Distribution Exclusion: Often excludes coverage for claims arising from recording or distribution of material or information.
- Access and Disclosure Exclusion: Excludes coverage for unauthorized access or disclosure of personal data.
These exclusions can impact whether an insurer will cover a BIPA claim. Have you consulted with your insurance provider on this matter?