Which of the following is a common feature of "data breach insurance" policies?

Data breach insurance policies are designed to provide coverage for the financial implications of a data breach, including various costs associated with responding to such incidents. The primary common feature of these policies is the coverage for legal fees incurred as a direct result of a data breach. This can include the costs of hiring legal experts to navigate compliance with regulations, handling any investigations that arise, and defending against lawsuits related to the breach.

This aspect is particularly important as data breaches often lead to significant legal liabilities for companies, including lawsuits from customers or regulatory penalties. The policy focuses on protecting the insured against the financial burden associated with these legal challenges.

In contrast, other options like coverage for physical property damage are not relevant to data breaches, which pertain primarily to information and digital assets, not tangible property. Insurance against employee litigation does not typically fall under the purview of data breach policies, as those are focused more on the external implications rather than internal employment matters. Finally, while health-related costs may arise in certain data breach scenarios, general data breach insurance does not specifically cover these; it's not a standard feature of such policies. Thus, the correct choice emphasizes the critical aspect of managing legal risks associated with a data breach.