---
title: "Does Cyber Insurance Cover Social Engineering?"
description: "Cyber insurance may cover social-engineering losses only when the policy includes that specific fraud protection; standard cyber liability may not reimburse money you send to a scammer."
canonical: "https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-social-engineering"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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[Human-readable page](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-social-engineering)

# Does Cyber Insurance Cover Social Engineering?

Cyber insurance may cover social-engineering losses only when the policy includes that specific fraud protection; standard cyber liability may not reimburse money you send to a scammer.

Chubb lists social-engineering fraud as cyber crime coverage available by endorsement. Compare the fraud limit and requirements for call-back verification, prompt notice, and employee participation.

Read the endorsement for the covered deception, required verification steps, who must receive the fraudulent instruction, and whether the event must involve a computer system. Check the limit, retention, coinsurance, time to report, and whether the insurer requires a bank recall attempt or law-enforcement report. Do not assume that a cyber liability limit automatically applies to money transferred by an employee.

## Related Questions

- [Does Cyber Insurance Cover Wire Fraud?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-wire-fraud)
- [Does Cyber Insurance Cover Business Email Compromise?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-business-email-compromise)
- [Does Cyber Insurance Cover Phishing?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-phishing)
- [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.

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

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