Examples include detection of a data breach, receipt of a ransomware or extortion demand, discovery of unauthorised access, system compromise, or notification of a privacy complaint. Cyber insurance policies carefully define trigger events to establish when coverage begins and avoid ambiguity about claim timing. Most cyber policies operate on a claims-made and reported basis, meaning both the wrongful act and the claim must occur during the policy period. Timely identification, notification to the insurer, and documentation of the trigger event are essential for valid claims.
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