Cyber Insurance exclusions 

Cyber insurance policies typically include several exclusions, which are specific situations or circumstances that are not covered by the policy:

📌 War and Terrorism: Cyber insurance policies typically exclude coverage for losses resulting from acts of war, terrorism, or other hostile actions.

📌 Physical Damage: If a cyber attack destroys physical infrastructure or equipment, the insurer may not cover the costs of repairing or replacing those assets.

📌 Technological Improvements: Cyber insurance helps businesses restore their computer systems to the state they were in before the cyber incident. However, the cost of upgrades or improvements to the technology is typically not covered.

📌 Unencrypted Data: If a data breach involves unencrypted data, the insurer may deny the claim based on this exclusion. To minimize the risk of having a claim denied, businesses should follow industry best practices for data encryption and other security measures.

📌 Potential Future Lost Profits and Loss of Value Due to Theft of Intellectual Property: insurance policies generally do not cover potential future lost profits or the loss of value due to the theft of intellectual property