This umbrella term captures various incidents including data breaches, ransomware attacks, cyber extortion, system failures caused by cyber attacks, malware outbreaks, and unauthorised access. Cyber insurance policies specifically define which cyber events are covered, and claims require the insured to demonstrate that the incident falls within the policy's scope. The precise definition of "cyber event" in a policy is critical, as it determines the trigger for coverage and may include or exclude certain types of technology failures or operational issues.
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