Most cyber insurance policies exclude losses arising from declared or undeclared war, including cyber warfare conducted by or on behalf of nation-states. This exclusion exists because such events can be systemic and catastrophic in scale, making them uninsurable under commercial insurance products. The exclusion language varies significantly between insurers—some use broad definitions that may capture state-affiliated cyber activity, while others provide narrower wording or limited coverage for certain nation-state attacks. Attribution challenges and geopolitical complexity make this exclusion particularly important to review and understand when purchasing cyber insurance.
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