---
title: "Does Cyber Insurance Cover Data Recovery?"
description: "Often—cyber insurance may pay data-restoration costs after a covered event, subject to definitions, sublimits, and approved recovery procedures."
canonical: "https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-data-recovery"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Cyber Insurance Cover Data Recovery?

Often—cyber insurance may pay data-restoration costs after a covered event, subject to definitions, sublimits, and approved recovery procedures.

Often. Cyber insurance may pay data-restoration costs after a covered event, subject to definitions, sublimits, and approved recovery procedures. The FTC lists recovery and replacement of lost or stolen data as a typical first-party cost, and Chubb describes digital-data recovery for data or software under its product. The grant may not include every cost of rebuilding a database, recreating information manually, or restoring a system after an excluded hardware failure.

Check the coverage trigger and the policy’s definitions of data, restoration, and computer system. Find any sublimit and retention, and see whether the policy requires backups, forensic verification, or use of an approved vendor. Ask if software licenses, data recreation, cloud recovery, and costs incurred before insurer approval qualify. Maintain backup records and contact the response hotline promptly so that recovery work follows the policy’s notice and consent conditions.

## Related Questions

- [Does Cyber Insurance Cover Data Breaches?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-data-breaches)
- [Does Cyber Insurance Cover System Failure?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-system-failure)
- [Does Cyber Insurance Cover Downtime?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-downtime)
- [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)

## Sources

1. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; What Should Your Cyber Insurance Policy Cover; First-Party Coverage; Third-Party Coverage. Accessed 2026-09-25.
2. [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.
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.

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

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