Cyber insurance policies increasingly expect insureds to have documented incident response plans aligned with industry best practices. While the absence of a plan typically does not void coverage, it may be considered during claims investigations as part of assessing the insured's overall cyber hygiene and response efforts. A robust incident response plan helps ensure timely notification to insurers, facilitates coordination with breach response providers (including those in the insurer's panel), and can help mitigate incident escalation, ultimately improving outcomes and supporting efficient claims handling.
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