Cyber Insurance War Exclusions

Recently we have seen the Russia-Ukraine conflict and many employers and CEOs, especially from Russia and Ukraine have cyber warfare in their minds and how can they save themselves from such the upcoming cyber attacks. USA officials have warned private business owners to be aware of Russian hackers.

Read more
Get ₹5 Cr Cover starting at ₹4,60,000*

Get right expert advice

Hassle free policy

Speedy Claims

Get Free Access to Report: Cyber Breaches in Industry

Fast-track your search with instant quotes from top insurers

Don't Gamble with Cybersecurity - Insure Your Business Now!

Step 1/2

Don't Gamble with Cybersecurity - Insure Your Business Now!

secure-icon We don't spam
Are you buying the policy for?
Get Updates on WhatsApp
Check Plans for Free

Don't Gamble with Cybersecurity - Insure Your Business Now!

Step 2/2
Fast-track your search with instant quotes from top insurers
Expert advice

Buy right

Instant policy

Quick & Hassle free

Dedicated team

Speedy Claims

Get Free Access to Report: Cyber Breaches in Industry

War Exclusions for Cyber Insurance

Insurance companies rarely provide coverage for the loss or damages caused during a war. It is decided between the insurer and the buyer while purchasing the cyber insurance policy. When an event that happened online and affected so many people that it would bankrupt the insurer.

A cyber insurance policy does not provide coverage for the loss or damage caused directly or indirectly from the following event, whether insured under the policy or not.

Warlike actions in any time of war or peace caused by any:

  • Sovereign Power or Government
  • Military, naval or air force
  • Authority or agent of any of the above-mentioned parties.

Protect Business From Cyber Attacks

Whether cyber insurance provides coverage for the loss caused during an act of war or not, it depends upon the language used in the policy. It is suggested to look at the language that separates cyber ward and cyber terrorism.

Cyber terrorism is the preplanned utilization of disruptive acts toward computer systems to be able to damage or intimidate someone. Cyber terrorism can be an end result of looking to attain social, ideological, religious, or political objectives. However, cyber terrorism no longer consists of acts that are associated with or in a guide of navy movement or different war-like operations.

On the alternative hand, cyber wars are cyber assaults that get up from or are associated with warfare, invasion, hostilities, acts of overseas enemies, or different warlike operations. Such acts of cyber wars may consist of a strike, lock-out, riot, civil warfare, revolution, rebellion, or insurrection.

The difference between cyber terrorism and cyber war is important, due to the fact many rules will cowl acts that fall below cyber terrorism except those that fall below cyber attack. However, there are nevertheless grey regions in cyber coverage exclusions for cyber war.

For example, if an act towards some other country in a cyber battle leaks out to different nations and companies, the damages that it reasons to the one's companies may also or might not be blanketed below conventional cyber coverage rules.

There isn't any clear-cut solution as to what happens in that scenario, which means that litigation can be the handiest alternative in such extraneous circumstances. Businesses that have already got cyber coverage however need to defend themselves even during the act of a cyber attack and should purchase a separate coverage policy.

What Does Act of War Exclusion Mean?

As a dealer, your clients expect you to tell about the cyber risks accurately. If you do an analysis and advise your customer concerning a cyber coverage make sure that the evaluation of the conflict and terrorist act exclusions alongside your customers so that they apprehend however this will follow to a cyber occasion.

In the event of a cyber assault that falls below a conflict or terrorism exclusion, your customers are often left without the assistance of the cyber coverage they thought they had. If such cyber assault causes severe loss to the business, a business owner ought to sue their dealer for not advising them correctly.

Therefore, insurance providers need to be more cautious than ever while advising a client regarding cyber coverage. Insured want to be told about the effect before the cyber attack takes place and they want to know whether the insurance coverage will or will not be provided after a cyber attack caused during an act of war or terrorism. If coverage will not cover those cyberattacks, the company can be left without help when they need it the most.

Additionally, for your well-known vetting procedure for a cyber insurance policy, transfer a step reviewing the conflict and/or terrorist act exclusions. Most of the standalone cyber insurance plans will not provide coverage for the act of war or terrorism however most good standalone insurance policies will have a carve back during these events. Specifically “Cyber Terrorism”, as the insurance company will provide coverage if the act was not directly performed by the government or by directed by the government when they are involved in an active war.

This drawback is even further robust to control as often it's hard to indicate if a government is behind the attack and they will obviously deny taking the responsibility of the attack. For agents, revealing cyber conflict and terrorist act exclusions for your client is an important step in advising your consumer additionally to defend your personal E&O.


It is advised to business owners learn about a policy in detail before purchasing it. Also, as mentioned above, learn about the difference between an act of war and an act of terrorism and purchase the cyber insurance policy that provides coverage that suits your requirement.

Written By: PolicyBazaar - Updated: 18 January 2023
Cyber Insurance Companies

Now help your friend get Business Insurance

Your referral is greatly appreciated!

Our team will reach out to your friend soon to help with their business insurance requirements.

Cyber Insurance News

Payment Gateway Company Reports Massive ₹16,180 Crore Cyber Theft
Payment Gateway Company Reports Massive ₹16,180 Crore Cyber Theft
In a startling revelation, the Thane Police have exposed a massive cyber heist, with cybercriminals pilfering an astonishing ₹16,180 crore. This...Read more
Cybercriminals Target Former Union Minister Dayanidhi Maran's Savings...
Cybercriminals Target Former Union Minister Dayanidhi Maran's Savings...
In a concerning development, cybercriminals managed to siphon off ₹99,999 from the personal savings account of Dayanidhi Maran, the former Union...Read more
Mumbai Police Nab Four Cyber Fraudsters in Extensive 22-Day Operation
Mumbai Police Nab Four Cyber Fraudsters in Extensive 22-Day Operation
In a 22-day operation spanning four states, including Uttar Pradesh, Rajasthan, Delhi and Madhya Pradesh, a Mumbai Police task force comprising seven...Read more
India Grapples with Mounting Cybersecurity Risks, According to Palo...
India Grapples with Mounting Cybersecurity Risks, According to Palo...
India is confronting a significant threat of cyberattacks aimed at its critical infrastructure, public sector, and essential services, as per a report...Read more
Pune-Based Engineering Supplies Firm Loses Over 22 Lakh in Cyber Scam
Pune-Based Engineering Supplies Firm Loses Over 22 Lakh in Cyber Scam
Pune City police uncovered a suspected 'man-in-the-middle' cyber attack that cost a Pune-based engineering supplies firm more than 24,000 Euros...Read more
Cyber Insurance Articles
As per the Indian Computer Emergency Response Team, 12.67 lakh cyber-attacks were registered by November 2022...Read more
21 Mar 2023 by Policybazaar 9497 Views
We live in the digital era. Now, almost everything is possible online as every other organization is going digital...Read more
12 Apr 2022 by Policybazaar 10782 Views
Every shop owner must put in extra efforts to make their retail store as safe as possible. To create a secure...Read more
29 Apr 2022 by Policybazaar 5603 Views
The cyber risks have increased after the outbreak of Covid-19. One of the main reasons behind the increment in...Read more
31 Mar 2022 by Policybazaar 4188 Views
Cyber insurance for the banking finance & insurance industry offers financial protection against potential...Read more
28 Feb 2023 by Policybazaar 1476 Views
Cybersecurity vigilance is crucial to safeguard against phishing...Read more
15 Mar 2024 by Policybazaar 65 Views
In a fast-paced business environment where every minute counts...Read more
13 Mar 2024 by Policybazaar 89 Views
Ransomware risks are on the rise, posing a significant threat to...Read more
13 Mar 2024 by Policybazaar 81 Views
The rise of smart automobiles has ushered in a realm of...Read more
27 Dec 2023 by Policybazaar 272 Views
Wearable technology has revolutionized healthcare, offering a...Read more
15 Dec 2023 by Policybazaar 235 Views
Policybazaar for Business - Cyber Insurance - Customer Reviews
View all
Based on 47 reviews
out of 5
Based on 47 reviews
12 users
34 users
1 users
0 users
0 users
4.3 October 11, 2022
Aarti Singh
Knowledegable Team
The representatives at PolicyBazaar were knowledgeable, patient and genuinely committed to helping me find the best insurance policy for my requirements. They took the time to answer all my questions and provide valuable guidance, ensuring that I had a thorough understanding of the coverage details and terms. THANKS.
4.3 October 06, 2022
Quick And Hassle Free
After seeing a rise in cyber attacks in many of the companies, i decided to purchase a cyber insurance policy for my start up. I went on the Policy Bazaar website and learned about the coverage in detail and purchased it from their website only. It was quick and hassle-free purchase.
4.5 October 04, 2022
Paperless Process
We bought the contractual liability insurance from policybazaar and received the best overall package. The process was paperless as we applied for insurance online and the support was amazing.
4.5 October 03, 2022
Extensive Coverage
We thoroughly checked all the benefits and features and decided to buy a contractual liability policy from Policybazaar. It provides all the necessary features to safeguard our business against any loss.
4.5 October 02, 2022
Easy To Buy
It was easy to buy insurance from Policybazaar and customer support was also amazing to clear all the doubts. Contractual liability insurance is essential for my business and I could not get a better deal than this.
4.5 October 01, 2022
Easy Plan Comparision
An ideal Contractual Liability Insurance policy purchased to protect our business that we ecounter in our everyday operations. Policybazaar offers a platform to compare multiple plans.
4.5 September 30, 2022
No Broker And Paper Work
Great experience at Policybazaar. We did not know that buying Contractual Liability Insurance could be that easy. Also there is no broker and paperwork.
4.8 September 29, 2022
Perfect Insurance Coverage
I purchased Contractual Liability Insurance from Policybazaar and the coverage they provided is perfect to keep my hardware business safe various unforeseen instances.
New Delhi
4.5 March 18, 2022
Cloud Storage Cover
I wanted to purchase a cyber insurance policy could provide coverage for the data stored in cloud network. I went on the Policybazaar website and look up for plans that would provide me with this coverage. I compared different plans and in a matter of minutes i found the right cyber insurance plan that would fit my requirement.
4.5 March 17, 2022
Good User Interface
I was looking for a cyber insurance policy online. After looking for the insurance plan online I landed on the Policybazaar website. Trust me, the user interface of the website is so good that i was able to locate the cyber insurance plan and purchase it in not more than 10 minutes. Thanks Policybazaar.