Policyholders and insureds exposed to cyber risks would be well served to analyze carefully their insurance policies to determine exactly which coverages apply to them—and to see if any critical coverages are missing.

Cyber Liability insurance should provide coverage for the vast majority of key cyber risks, and there may also be overlapping coverage under other policies for such exposures.

The first place that a company should look to determine whether it has, or may have, coverage for cyber risks is any specific Cyber Liability policies that the entity holds. A very close look at these policies is warranted, as the coverage under such policies often varies significantly from carrier to carrier—and even within the various forms that one particular insurance company offers.

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