While related to data breach, data theft emphasises the intentional removal of data for exploitation—such as selling personal information on the dark web, stealing intellectual property, or using credentials for fraud. Cyber insurance policies typically cover breach response costs, notification expenses, and third-party liabilities arising from data theft. However, insurers will examine whether reasonable access controls, monitoring systems, and data loss prevention measures were in place when assessing claims.

While related to data breach, data theft emphasises the intentional removal of data for exploitation—such as selling personal information on the dark web, stealing intellectual property, or using credentials for fraud. Cyber insurance policies typically cover breach response costs, notification expenses, and third-party liabilities arising from data theft. However, insurers will examine whether reasonable access controls, monitoring systems, and data loss prevention measures were in place when assessing claims.