DESTRUCTION OF ELECTRONIC DATA OR COMPUTER PROGRAMS COVERAGE
pays costs incurred by the insured to restore or replace damaged or destroyed electronic data or computer programs. Coverage is limited and applies only to data or programs stored within the computer system. The loss or damage can be from an external source or from the actions of an employee, manager, director, trustee, representative or official of the insured. The damage or destruction must result directly from either a computer virus designed to damage or destroy electronic data or computer programs or from vandalism to electronic data or computer programs by a person with unauthorized access to the computer system.