In the context of cyber insurance, coverage typically applies only when the infrastructure failure is directly caused by a covered cyber event (such as a cyber attack, malware, or ransomware). Hardware failures, general operational failures, or breakdowns due to poor maintenance alone are generally not covered under cyber policies and would fall under property or general business interruption insurance. Insurers will examine the root cause to determine whether the failure resulted from a cyber peril or from non-cyber factors such as equipment age, inadequate maintenance, or capacity issues.

In the context of cyber insurance, coverage typically applies only when the infrastructure failure is directly caused by a covered cyber event (such as a cyber attack, malware, or ransomware). Hardware failures, general operational failures, or breakdowns due to poor maintenance alone are generally not covered under cyber policies and would fall under property or general business interruption insurance. Insurers will examine the root cause to determine whether the failure resulted from a cyber peril or from non-cyber factors such as equipment age, inadequate maintenance, or capacity issues.