---
title: "Does Business Interruption Cover Cyber Attacks?"
description: "Not necessarily—property-based business-interruption coverage may require physical damage, so a cyberattack may need a cyber policy or a specific endorsement to cover lost income."
canonical: "https://spot.insure/insurance-faq/business-interruption/does-business-interruption-cover-cyber-attacks"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Business Interruption Cover Cyber Attacks?

Not necessarily—property-based business-interruption coverage may require physical damage, so a cyberattack may need a cyber policy or a specific endorsement to cover lost income.

Not necessarily. Property-based business-interruption coverage may require physical damage, so a cyberattack may need a cyber policy or a specific endorsement to cover lost income. Coverage depends on whether the policy includes electronic data or cyber-related business interruption, what system failure qualifies, and whether the event must result from a security breach or other defined incident. Cyber policies also vary in waiting periods, restoration periods, and dependent-system coverage.

Check the property policy for electronic-data and nonphysical-loss exclusions, then review any cyber policy’s business-interruption insuring agreement. Confirm coverage for your own network, cloud providers, critical vendors, restoration costs, and lost income. Do not infer cyber interruption coverage from a general business-income limit.

## Related Questions

- [What Is Business Interruption Insurance?](https://spot.insure/insurance-faq/business-interruption/what-is-business-interruption-insurance)
- [What Doesn’t Business Interruption Cover?](https://spot.insure/insurance-faq/business-interruption/what-business-interruption-does-not-cover)
- [Does Business Interruption Cover Lost Revenue?](https://spot.insure/insurance-faq/business-interruption/does-business-interruption-cover-lost-revenue)
- [Does Business Interruption Cover Payroll?](https://spot.insure/insurance-faq/business-interruption/does-business-interruption-cover-payroll)

## Related Coverage

- [Commercial property](https://spot.insure/coverage/commercial-property)

## Sources

1. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; Commercial property; Business interruption; Contingent business interruption. Accessed 2026-09-25.
2. [FAQ on business interruption insurance and other issues affecting California small businesses](https://www.insurance.ca.gov/01-consumers/140-catastrophes/FAQ-on-Business-Interruption-Insurance.cfm). California Department of Insurance; Business interruption trigger; COVID-19 income loss; policy exclusions; civil authority. Accessed 2026-09-25.

More answers: [Business Interruption Insurance FAQ](https://spot.insure/insurance-faq/business-interruption).

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