---
title: "What Insurance Covers Cyber Attacks?"
description: "Cyber insurance can cover first-party response costs and third-party claims after covered cyber events, but the policy may include one side without the other."
canonical: "https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-cyber-attacks"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Insurance Covers Cyber Attacks?

Cyber insurance can cover first-party response costs and third-party claims after covered cyber events, but the policy may include one side without the other.

Cyber insurance can cover first-party response costs and third-party claims after covered cyber events, but the policy may include one side without the other. A cyber policy’s security-event definition controls which attacks qualify.

Compare both coverage sections and their limits. An AIG specimen includes unauthorized access, denial-of-service attacks, and malicious code in its security-failure definition; check whether your quote uses those triggers and how it treats vendor incidents.

## Related Questions

- [What Insurance Covers Ransomware?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-ransomware)
- [What Insurance Covers Data Breaches?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-data-breaches)
- [What Insurance Covers Business Data Loss?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-data-loss)
- [What Insurance Covers Employee Theft and Embezzlement?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft)

## Related Coverage

- [Cyber liability](https://spot.insure/coverage/cyber)
- [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions)

## Sources

1. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. 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; Security and Privacy Coverage Section, PDF pp.11–18, especially exclusions p.18; Cyber Extortion Coverage Section, pp.29–31. Accessed 2026-09-25.

More answers: [What Insurance Covers FAQ](https://spot.insure/insurance-faq/what-insurance-covers).

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