BEC typically involves social engineering and spoofed email credentials without necessarily deploying malware. Coverage depends on whether the policy includes social engineering or cyber crime endorsements, as standard cyber policies may exclude BEC losses unless affirmative coverage is added. Preventive controls such as email authentication protocols (SPF/DKIM), dual authorisation for payments, user verification procedures, and anomaly detection are scrutinized during underwriting and claims assessment.

BEC typically involves social engineering and spoofed email credentials without necessarily deploying malware. Coverage depends on whether the policy includes social engineering or cyber crime endorsements, as standard cyber policies may exclude BEC losses unless affirmative coverage is added. Preventive controls such as email authentication protocols (SPF/DKIM), dual authorisation for payments, user verification procedures, and anomaly detection are scrutinized during underwriting and claims assessment.