---
title: "Does Cyber Insurance Cover Zero-Day Attacks?"
description: "A zero-day attack may be covered if it causes a loss that fits the policy’s cyber event definitions; the fact that no patch existed does not decide coverage."
canonical: "https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-zero-day-attacks"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does Cyber Insurance Cover Zero-Day Attacks?

A zero-day attack may be covered if it causes a loss that fits the policy’s cyber event definitions; the fact that no patch existed does not decide coverage.

A zero-day attack may be covered if it causes a loss that fits the policy’s cyber event definitions; the fact that no patch existed does not decide coverage. The key question is whether the incident meets the covered-event trigger, not whether a vendor had already issued a fix.

Read the policy’s cyberattack and vulnerability definitions, any known-circumstance exclusion, and terms addressing failure to maintain security. Check whether patch timing is measured from public disclosure or notification by the insurer. Review the applicable limits, waiting periods, and incident-response requirements. Ask the carrier to explain the quoted wording for an unknown vulnerability and preserve evidence of when the flaw became known and what steps were taken.

## Related Questions

- [Does Cyber Insurance Cover Ransomware?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-ransomware)
- [Does Cyber Insurance Cover System Failure?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-system-failure)
- [Does Cyber Insurance Cover Employee Mistakes?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-employee-mistakes)
- [Does Cyber Insurance Cover Ransom Payments?](https://spot.insure/insurance-faq/cyber/does-cyber-insurance-cover-ransom-payments)

## Related Coverage

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

## Sources

1. [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity). Federal Trade Commission; Govern; Cyber Insurance; Common Cyberattacks: Phishing, Ransomware, Business Email Imposters; Vendor Security. 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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