--- title: "Does cyber insurance cover a customer’s losses when our productivity app goes down?" description: "FTC describes third-party cyber coverage as potentially addressing claims by others and first-party coverage as potentially addressing the insured business’s own costs. The examples do not establish that a service outage or customer contract claim is covered." canonical: "https://spot.insure/industries/productivity/does-cyber-cover-customer-loss" page-type: "industry-faq" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/industries/productivity/does-cyber-cover-customer-loss) # Does cyber insurance cover a customer’s losses when our productivity app goes down? FTC describes third-party cyber coverage as potentially addressing claims by others and first-party coverage as potentially addressing the insured business’s own costs. The examples do not establish that a service outage or customer contract claim is covered. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) Before comparing forms, separate an outage at your cloud provider from an error in your own app. Ask how each scenario's cause, affected system, customer claim and service-credit terms fit the quoted definitions, waiting periods and exclusions. [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity), [Technology Exposures](https://www.chubb.com/us-en/business-insurance/technology-exposures.html) ## Need Help Choosing Coverage? Spot prepares your applications, coordinates with brokers, and helps you compare quotes so you can choose coverage with the key details in front of you. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) [Read the Productivity Software Insurance Buying Guide](https://spot.insure/industries/productivity) ## More Productivity Software Questions - [Is technology E&O just another name for professional E&O?](https://spot.insure/industries/productivity/is-technology-eo-same-as-professional-eo) ## Coverage to Discuss - [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) - [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) - [Cyber liability](https://spot.insure/coverage/cyber) - [Commercial property](https://spot.insure/coverage/commercial-property) ## Sources and Further Reading - [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity) — Federal Trade Commission. Supplier risk, response planning and cyber-insurance buyer questions. Educational guidance, not policy wording. FTC small-business guidance on supplier risks and cyber-insurance review questions. - [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) — Federal Trade Commission (content developed with NAIC and federal partners). First-party coverage, lines 46–77; third-party coverage, lines 78–102. Examples are not a promise for any policy. FTC first-party and third-party cyber examples, explicitly subject to policy terms. - [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) — National Association of Insurance Commissioners. BOP and exclusions; general liability and exclusions; professional liability, crime and cyber; business property. General educational descriptions, not policy terms. - [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy) — National Association of Insurance Commissioners. Business interruption and contingent business interruption; covered physical damage and dependent-business trigger qualifications. - [Cyber Insurance Coverage and Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html) — Chubb. DigiTech Enterprise Risk Management product description; Chubb’s named product summary describes technology E&O for third-party financial injury arising from insured products and services. Product-specific summary, not a universal definition or buyer policy form. - [Technology Exposures](https://www.chubb.com/us-en/business-insurance/technology-exposures.html) — Chubb. Information loss, network-security failure, interruption, vendor incidents and technology-service errors; exposure examples, not a coverage determination. Chubb exposure scenarios for technology-service, vendor and network risks; exposure guidance only. - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Revised June 14, 2024; commercial property, inland marine, boiler and machinery/equipment breakdown, commercial general liability, commercial auto, umbrella, and workers compensation. California-focused guidance; confirm other jurisdictions and actual policy wording. Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements. Updated 2026-09-28. [Editorial Policy](https://spot.insure/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://spot.insure/industries/productivity/does-cyber-cover-customer-loss.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)