{"id":254480,"date":"2021-05-20T15:00:51","date_gmt":"2021-05-20T12:00:51","guid":{"rendered":"https:\/\/en.buradabiliyorum.com\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/"},"modified":"2021-05-20T15:00:51","modified_gmt":"2021-05-20T12:00:51","slug":"can-you-depend-on-your-cyber-insurance-cloudsavvy-it","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/","title":{"rendered":"#Can You Depend on Your Cyber Insurance? \u2013 CloudSavvy IT"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a35fd2e8726e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #dd3333;color:#dd3333\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #dd3333;color:#dd3333\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a35fd2e8726e\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#What_Is_Cyber_Liability_Insurance\" >What Is Cyber Liability Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#First-Party_and_Third-Party_Cover\" >First-Party and Third-Party Cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#Other_Types_of_Cover\" >Other Types of Cover<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#Data_Restoration\" >Data Restoration<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#Loss_of_Income_and_Extra_Expenses\" >Loss of Income and Extra Expenses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#Cyber_Extortion\" >Cyber Extortion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#Notification_Costs\" >Notification Costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#Crisis_Management\" >Crisis Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#Network_Security_and_Privacy_Liability\" >Network Security and Privacy Liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#Electronic_Media_Liability\" >Electronic Media Liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#Regulatory_Proceedings\" >Regulatory Proceedings<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#What_isnt_Covered\" >What isn\u2019t Covered<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/buradabiliyorum.com\/en\/can-you-depend-on-your-cyber-insurance-cloudsavvy-it\/#Acts_of_War_and_Terrorism\" >Acts of War and Terrorism<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>&#8220;#Can You Depend on Your Cyber Insurance? \u2013 CloudSavvy IT&#8221;<\/strong><\/p>\n<div id=\"article-content-area\">\n<figure style=\"width: 4096px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"type:primaryImage wp-image-11391 size-full\" data-pagespeed-lazy-src=\"https:\/\/www.cloudsavvyit.com\/p\/uploads\/2021\/05\/a9fe50af.jpg?width=1200&amp;trim=1,1&amp;bg-color=000&amp;pad=1,1\" alt=\"Soldiers in a server room \" width=\"4096\" height=\"2160\" src=\"\/pagespeed_static\/1.JiBnMqyl6S.gif\" onload=\"pagespeed.lazyLoadImages.loadIfVisibleAndMaybeBeacon(this);\" onerror=\"this.onerror=null;pagespeed.lazyLoadImages.loadIfVisibleAndMaybeBeacon(this);\"\/><figcaption class=\"wp-caption-text\"><span class=\"type:primaryImage imagecredit\"><a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.shutterstock.com\/image-photo\/caucasian-african-american-men-camouflage-uniforms-1768004339\">Shutterstock\/M_Agency<\/a><\/span><\/figcaption><\/figure>\n<p>You\u2019ve got cyber insurance in case the worst h<a href=\"https:\/\/buradabiliyorum.com\/en\/category\/download-scripts-themes-apps\/\" data-internallinksmanager029f6b8e52c=\"9\" title=\"Download Scripts &amp; Themes &amp; Apps\" target=\"_blank\" rel=\"noopener\">app<\/a>ens. But what does your policy cover and what will it not pay out for? Your worst-case scenario might be worse than you think.<\/p>\n<h2 id=\"what-is-cyber-liability-insurance\"><span class=\"ez-toc-section\" id=\"What_Is_Cyber_Liability_Insurance\"><\/span>What Is Cyber Liability Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Cyber liability insurance is a specific form of insurance that covers financial losses that arise from cyberincidents. Typically these are cyberattacks and data breaches. As with all insurance policies, you\u2019ll harbor two hopes. One is you never have to use it. The second is that if you do need to make a claim the insurance company accepts your claim and pay out.<\/p>\n<p>There\u2019s a lot you can do to make your organization as safe as possible. However, there\u2019s always a risk that a new vulnerability is discovered and exploited by threat actors before it is identified by the manufacturer and a patch issued to address that vulnerability. This is one form of <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.howtogeek.com\/140262\/htg-explains-what-is-a-zero-day-exploit-and-how-to-protect-yourself\/\">zero-day vulnerability<\/a>.<\/p>\n<p>Another zero-day vulnerability is the short period between a new malware strain being detected, characterized, and updates created for anti-malware software. In that short interim period, the malware can spread unchecked.<\/p>\n<p>Another vulnerability is your staff. They need to have regular\u2014at a minimum, annual\u2014cyber awareness training and data protection training. The most common cyberthreats arrive by email, and it\u2019s your staff who receive those emails. Most data breaches occur through staff mistakes or shortcuts. And, despite the training, they may slip up.<\/p>\n<p>Cybersecurity is a constant process of improvement and catch-up. You can never put a tick in the box that says \u201ccybersecurity complete, 100% secure.\u201d You\u2019ll never reach the point of zero risks. And because there will never be zero risks you should strongly consider cyber liability insurance.<\/p>\n<p><strong>RELATED:<\/strong> <strong><em>Why Your Staff Are Your Cybersecurity Weak Link<\/em><\/strong><\/p>\n<h2 id=\"first-party-and-third-party-cover\"><span class=\"ez-toc-section\" id=\"First-Party_and_Third-Party_Cover\"><\/span>First-Party and Third-Party Cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Cyber liability insurance policies vary greatly. What some providers include, others see as costed extras or leave out completely. An off-the-peg policy might not meet your needs. If your organization is sufficiently large, your IT infrastructure sufficiently complicated, or there is a strong likelihood that any financial damages or penalties could be crippling, you should negotiate a bespoke insurance policy.<\/p>\n<p>Most policies provide first-party and third-party cover or, in insurance-speak,\u00a0<em>coverages<\/em>. First-party coverages address direct financial expenses that your organization has to pay as a result of a data incident. You\u2019re the first party and you\u2019re being covered for out-of-pocket expenses\u00a0<em>you\u2019ve<\/em>\u00a0suffered.<\/p>\n<p>Third-party coverages apply to financial penalties your organization is compelled to pay because of claims and legal action by affected individuals. For example, the affected data subjects in a data breach may make a claim against you, either singly or as a class action. They\u2019re the third party and you\u2019re being covered for the costs of the damages\u00a0<em>they\u2019ve<\/em>\u00a0suffered.<\/p>\n<p>For example, a Finnish\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/en.wikipedia.org\/wiki\/Vastaamo\">private psychotherapy clinic<\/a>\u00a0called Vastaamo was the victim of a massive data breach when its entire patient database was stolen in 2018. The database contained personally identifiable information, including\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.wired.com\/story\/vastaamo-psychotherapy-patients-hack-data-breach\/\">transcripts of psychotherapy sessions<\/a>.<\/p>\n<p>Vastaamo refused to pay the blackmail ransom despite pressure from the threat actors who released 100 patients\u2019 records a day onto the Dark Web. When that extortion method failed, in 2020 the cybercriminals approached the patients directly. They threatened to release their patient and session records unless they received a payment.<\/p>\n<p>Had Vastaamo not\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.computerweekly.com\/news\/252496227\/Hacked-Finnish-therapy-business-collapses\">collapsed into bankruptcy<\/a>, the patients could have sued Vastaamo for failure to protect their personal data, and for failure to disclose the data breach. If Vastaamo had been covered by good cyber insurance they may have avoided bankruptcy\u2014first-party coverage\u2014and been able to weather the financial penalties from the data subjects\u2019 litigations\u2014third-party coverage. As it happened the company folded before the data subjects and data protection authority could bring cases against it.<\/p>\n<p><strong>RELATED:<\/strong> <strong><em>How To Prepare For and Fight a Ransomware Attack<\/em><\/strong><\/p>\n<h2 id=\"other-types-of-cover\"><span class=\"ez-toc-section\" id=\"Other_Types_of_Cover\"><\/span>Other Types of Cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Comprehensive cyber liability policies provide a range of coverages, some of which may be optional. Each coverage is likely to have its own financial upper limit, which limits the degree of exposure the insurance providers face by insuring you. Some policies or coverages may require an excess. This is an amount of money that you will be expected to provide in the event of a claim and will be deducted from any insurance payout. Agreeing to an excess reduces your policy\u2019s premium.<\/p>\n<p>It\u2019s important to ascertain whether your insurance covers the costs of engaging with expert assistance. This might be required for incident or crisis management, technical and forensic experts, negotiations with the threat actors, and communications management. Some insurers will provide these experts themselves in preference to paying for external support.<\/p>\n<p>This list contains some common first-party coverages.<\/p>\n<h3 id=\"data-restoration\"><span class=\"ez-toc-section\" id=\"Data_Restoration\"><\/span>Data Restoration<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Covers the cost to restore data, reinstall operating systems and programs, or to replace software that has been damaged or destroyed beyond recovery. There may be a list of\u00a0<em>covered perils<\/em>. If the damage is the result of something not on that list, you\u2019re not covered, so check your policy carefully.<\/p>\n<h3 id=\"loss-of-income-and-extra-expenses\"><span class=\"ez-toc-section\" id=\"Loss_of_Income_and_Extra_Expenses\"><\/span>Loss of Income and Extra Expenses<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you are rendered unable to trade you\u2019re suffering a loss of income. This coverage is for costs incurred in restoring your systems to operational status. Again, there will probably be a list of covered perils. Some policies even provide coverage for a loss of income you suffer because a trading partner, supplier, or other key partner such as a distributor is the victim of a cyberincident.<\/p>\n<h3 id=\"cyber-extortion\"><span class=\"ez-toc-section\" id=\"Cyber_Extortion\"><\/span>Cyber Extortion<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is coverage for ransoms, blackmails, or similarly extorted payments made to the threat actors. The most common example is ransomware, but it might also be to prevent sensitive documents from being leaked online or to prevent a hacker from introducing a virus, or stop conducting Distributed Denial of Service attacks.<\/p>\n<p>Robust policies will cover payments made as a result of any type of extortion as long as the insurer\u2019s consent is obtained, and the best policies also provide a negotiator or coverage for the costs of hiring one.<\/p>\n<p><strong>RELATED:<\/strong> <strong><em>How Do You Protect Your Website Against DDoS Attacks?<\/em><\/strong><\/p>\n<h3 id=\"notification-costs\"><span class=\"ez-toc-section\" id=\"Notification_Costs\"><\/span>Notification Costs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Most modern data protection legislation such as the\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/HTML\/?uri=CELEX:32016R0679&amp;qid=1600605964569&amp;from=EN\">General Data Protection Regulation<\/a>\u00a0and the\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/leginfo.legislature.ca.gov\/faces\/billVersionsCompareClient.xhtml?bill_id=201720180SB1121\">Californian Consumer Protection Act<\/a>\u00a0require an organization to contact and inform affected data subjects of a data breach.<\/p>\n<p>If the compromised data is likely to lead to financial damages to the data subjects you may be expected to provide credit monitoring. If your breach is sufficiently severe\u2014because of a very high number of affected data subjects or if the breached data includes special category data such as medical information\u2014you might need to dedicate staff to answering queries from the public, or outsourcing this function. Check whether your policy provides coverage of this type.<\/p>\n<h3 id=\"crisis-management\"><span class=\"ez-toc-section\" id=\"Crisis_Management\"><\/span>Crisis Management<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Most cyber policies afford some coverage for crisis management expenses. Depending on your policy, the coverage might provide expert assistance to help deal with the incident, the recovery,\u00a0 damage limitation, and PR and business communications. Check whether your policy provides access to:<\/p>\n<ul>\n<li>Technical and forensic experts.<\/li>\n<li>Call Centre and Notification Staff.<\/li>\n<li>Credit and identity theft monitoring services.<\/li>\n<li>PR Firms.<\/li>\n<li>Negotiators.<\/li>\n<li>Legal counsel.<\/li>\n<\/ul>\n<p><strong>RELATED:<\/strong> <strong><em>Need to Pay the Ransom? Negotiate First<\/em><\/strong><\/p>\n<h3 id=\"network-security-and-privacy-liability\"><span class=\"ez-toc-section\" id=\"Network_Security_and_Privacy_Liability\"><\/span>Network Security and Privacy Liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the cyberincident was made possible because of negligent acts, mistakes, failures, or omissions regarding your cybersecurity or breach notification, you may face legal claims from the affected data subjects. This coverage insures against those claims.<\/p>\n<h3 id=\"electronic-media-liability\"><span class=\"ez-toc-section\" id=\"Electronic_Media_Liability\"><\/span>Electronic Media Liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This is usually included in cyber liability insurance although it doesn\u2019t directly address matters arising from a cyberincident. It provides coverage for lawsuits brought against your organization for acts of libel, slander, and defamation because of something published on a website, blog, or <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/social-mediaa\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"Social Media\" target=\"_blank\" rel=\"noopener\">social media<\/a>. Some insurers call this <em>errors and omissions<\/em> coverage.<\/p>\n<h3 id=\"regulatory-proceedings\"><span class=\"ez-toc-section\" id=\"Regulatory_Proceedings\"><\/span>Regulatory Proceedings<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If the supervisory or governing body for your data protection legislation levies fines or other penalties against your organization either for the breach or for your handling of the breach, this coverage will cover you for those losses. It should also pay for legal representation if required.<\/p>\n<h2 id=\"what-isnt-covered\"><span class=\"ez-toc-section\" id=\"What_isnt_Covered\"><\/span>What isn\u2019t Covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Like all insurance contracts, cyber liability policies exclude certain types of claims. Here are some typical exclusions:<\/p>\n<ul>\n<li>Anything before the commencement of the policy.<\/li>\n<li>Physical personal harm or bodily injury.<\/li>\n<li>Property damage.<\/li>\n<li>Self-Sabotage: Intentional dishonest acts committed by a member of your organization.<\/li>\n<li>Acts of war and terrorism.<\/li>\n<li>Contractual liability.<\/li>\n<li>Utility failure.<\/li>\n<li>Improving Your IT. Your cyber insurance will get you back to where you were, not to where you needed to be to prevent the incident. It won\u2019t aim to leave you in an improved condition. This is called\u00a0<em>betterment<\/em>\u00a0by insurers.<\/li>\n<\/ul>\n<h2 id=\"acts-of-war-and-terrorism\"><span class=\"ez-toc-section\" id=\"Acts_of_War_and_Terrorism\"><\/span>Acts of War and Terrorism<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This is a biggie. If the cyberattack or cyberincident you\u2019ve suffered is considered to have been an act of cyberwarfare or cyberterrorism, your insurance company will not payout. The standard exclusion in all business insurance about acts of war and terrorism will come into effect.<\/p>\n<p>State-sponsored hacking groups known as\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/en.wikipedia.org\/wiki\/Advanced_persistent_threat\">Advanced Persistent Threats<\/a>\u00a0(APTs) regularly conduct campaigns that spill over and and create collateral damage in the business world at large.<\/p>\n<p>The\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/en.wikipedia.org\/wiki\/Petya_(malware)\">NotPetya ransomware<\/a>\u00a0attacks of 2017 were targeted at users of a particular type of business accounting package that was heavily used in the Ukraine. NotPetya soon spread to attack organizations around the globe. The attack has been\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.europarl.europa.eu\/doceo\/document\/E-8-2018-001005_EN.html\">attributed to the Russian military<\/a>\u00a0by Australia, New Zealand, Canada, Japan, the United States, Denmark, and the United Kingdom.\u00a0That attribution has had a tremendous impact on a great many businesses.<\/p>\n<p>Food and beverage giant\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.mondelezinternational.com\/\">Mondel\u0113z <\/a>was\u00a0hit by NotPetya and\u00a0suffered losses of over US$100 million. Their insurer,\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.zurich.com\/\">Zurich Insurance Group<\/a>, claims that because the Russian military was behind the malware the cyberattack was an act of cyberwarfare. Zurich says that releases it of any liability. Not surprisingly, Mondel\u0113z International is suing Zurich Insurance Group for US$100 million<\/p>\n<p>The war and terrorism clauses are variously worded from policy to policy but can be paraphrased as \u201c\u2026excludes damage caused by a hostile or warlike action in times of peace or war by any government or sovereign power\u2019s military, naval or air force, or agent or authority thereof.\u201d\u00a0So it doesn\u2019t actually require a state or act of war for the exclusion to apply. A hostile action by a foreign power or government in peacetime can trigger the exclusion clause.<\/p>\n<p><strong>RELATED:<\/strong> <strong><em>SolarWinds Hack: What Happened and How To Protect Yourself<\/em><\/strong><\/p>\n<p>It\u2019ll be interesting to see what the outcome of\u00a0<em>Mondel\u0113z International v. Zurich Insurance Group<\/em> is. With the ever-increasing number of APT activities, while it is unlikely the average business organization will be a direct target, the likelihood of getting caught in the cross-fire increases accordingly.<\/p>\n<p>If you do get hit and the attribution points to an APT, it may not matter what coverage you do or don\u2019t have in your policy\u2014-your policy might well be void.\n<\/p><\/div>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. Follow us on\u00a0<span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMLG0nwswvr63Aw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Google News<\/a><\/span>\u00a0too, click on the star and choose us from your favorites.<\/span><\/strong><\/p><\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\">For forums sites go to <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/forum.buradabiliyorum.com\/\" target=\"_blank\" rel=\"noopener\">Forum.BuradaBiliyorum.Com<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\"><strong>If you want to read more like this article, you can visit our <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/en.buradabiliyorum.com\/technology\/\" target=\"_blank\" rel=\"noopener\">Technology category.<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<p><span style=\"color: black;\"><a style=\"color: #ff9900;\" href=\"https:\/\/www.cloudsavvyit.com\/11210\/can-you-depend-on-your-cyber-insurance\/\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;#Can You Depend on Your Cyber Insurance? \u2013 CloudSavvy IT&#8221; Shutterstock\/M_Agency You\u2019ve got cyber insurance in case the worst happens. But what does your policy cover and what will it not pay out for? Your worst-case scenario might be worse than you think. What Is Cyber Liability Insurance? Cyber liability insurance is a specific form&#8230;<\/p>\n","protected":false},"author":1,"featured_media":254481,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/www.cloudsavvyit.com\/p\/uploads\/2021\/05\/a9fe50af.jpg","fifu_image_alt":"","footnotes":""},"categories":[18],"tags":[],"class_list":["post-254480","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technology"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/254480","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=254480"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/254480\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/254481"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=254480"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=254480"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=254480"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}