Malware is malicious software designed to infiltrate, damage, or disable systems, including ransomware, viruses, trojans, worms, and spyware. Cyber insurance coverage typically includes forensic investigation, malware eradication, data restoration, and business interruption losses. Insurers require deployment of enterprise anti-malware solutions with current signatures and regular scanning as coverage prerequisites. Claims may be reduced or denied for infections resulting from employee security policy violations, failure to maintain updated protection, or inadequate monitoring systems. Nation-state malware may trigger acts of war exclusions, while destructive malware (like wipers) versus ransomware may have different coverage treatment depending on specific policy wording.
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