---
title: "Does Cyber Insurance Cover Business Email Compromise?"
description: "Sometimes—cyber insurance may cover investigation of a compromised mailbox, but reimbursement for a diverted payment often depends on separate funds-transfer or social-engineering coverage."
canonical: "https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-business-email-compromise"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Cyber Insurance Cover Business Email Compromise?

Sometimes—cyber insurance may cover investigation of a compromised mailbox, but reimbursement for a diverted payment often depends on separate funds-transfer or social-engineering coverage.

Sometimes. Cyber insurance may cover investigation of a compromised mailbox, but reimbursement for a diverted payment often depends on separate funds-transfer or social-engineering coverage. A compromised mailbox may create a security incident, while the diverted wire is a separate financial loss. A cyber policy might cover forensic work to investigate the account but require a crime endorsement to address transferred funds. Chubb, for example, lists social-engineering and funds-transfer protections as endorsements for its product.

Ask whether the policy distinguishes spoofed email from access to a legitimate mailbox, and whether it covers changed payment instructions sent by a criminal. Review required callback or dual-approval steps, the fraud sublimit, retention, and prompt-notice condition. Check the crime policy too, including any exclusion for transfers made by an employee. Report the event to the bank and follow the insurer’s response instructions.

## Related Questions

- [Does Cyber Insurance Cover Social Engineering?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-social-engineering)
- [Does Cyber Insurance Cover Phishing?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-phishing)
- [Does Cyber Insurance Cover Stolen Passwords?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-stolen-passwords)
- [Does Cyber Insurance Cover Ransomware?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-ransomware)

## Related Coverage

- [Cyber liability](https://spot.insure/coverage/cyber)
- [Crime](https://spot.insure/coverage/crime)

## Sources

1. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §§1–3, PDF pp.11, 14–18; Event Management §§1–2, PDF pp.19–20. Accessed 2026-09-25.
2. [Business Email Compromise](https://www.fbi.gov/how-we-can-help-you/common-frauds-and-scams/business-email-compromise). Federal Bureau of Investigation; How BEC scams work; Report BEC. Accessed 2026-09-25.
3. [Cyber insurance coverage & products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance coverage; First party coverage; Third-party liability coverage; Cyber crime (by endorsement); Products and services. Accessed 2026-09-25.
4. [Cyber insurance: a key part of a robust business strategy](https://www.iii.org/article/cyber-insurance-a-key-part-of-a-robust-business-strategy). Insurance Information Institute; What are the types of cyber insurance coverage?; What isn’t covered by cyber insurance?; Is cyber insurance affordable?; How much cybersecurity coverage do businesses need?. Accessed 2026-09-25.

More answers: [Cyber Insurance FAQ](https://spot.insure/insurance-faq/cyber).

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