Insurance Europe has published its response to a consultation by the European Data Protection Board (EDPB) on draft guidelines on examples regarding data breach notifications.
The guidelines should be revised to fully reflect the risk-based
approach to data breaches enshrined in the General Data Protection
Regulation (GDPR). If not, it could create an unwanted administrative
burden for both data controllers and supervisory authorities that would
potentially shift the focus of both parties away from more severe
breaches and other important matters that relate to data protection.
For example, in one of the cases provided that explicitly mentions
the insurance industry, the EDPB has drawn wrongful conclusions about
the risks generally associated with an accidental disclosure of
insurance documents. In this case, where a letter is sent to the wrong
policyholder, the EDPB suggests that, if a misuse cannot be completely
ruled out, the controller must always communicate with the data subject,
even if the data is not sensitive and the risk of misuse is extremely
low. This would not be in line with the risk-based approach established
by the GDPR.
In general, when a personal data breach affects a very small number
of data subjects, encompasses a limited number of non-sensitive
categories of personal data and when there are no seemingly aggravating
circumstances that suggest that the breach will result in a notable risk
for the affected individuals, such breach should be considered and
treated as low risk by businesses.
response
Insurance Europe
© InsuranceEurope
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