Does Cyber Insurance Cover Data Breaches?

FTC guidance lists data breaches and explains common first-party expenses, including legal counsel, investigation, notification, recovery, and public relations. It also describes third-party protection for claims by affected people. A policy can define a breach more narrowly than ordinary business usage, and exclusions or limits may differ for employee, vendor, paper-record, or system incidents.

Check the definition of protected information, the event that triggers response coverage, and whether a suspected or confirmed incident is enough to access services. Review notification, credit monitoring, forensic, legal, and public-relations sublimits, plus the approved vendor and consent rules. For liability, check who qualifies as a claimant and whether defense is provided. Confirm vendor-held information and territories are included if relevant to your operations.