---
title: "What Insurance Covers Ransomware?"
description: "Cyber insurance may cover ransomware response, restoration, interruption, and extortion costs, subject to each section’s trigger and limits."
canonical: "https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-ransomware"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# What Insurance Covers Ransomware?

Cyber insurance may cover ransomware response, restoration, interruption, and extortion costs, subject to each section’s trigger and limits.

Ransomware can encrypt data, interrupt operations, threaten to publish stolen information, and create response and restoration expenses. FTC guidance lists data recovery, lost income, forensic services, and extortion among possible first-party coverages; an AIG specimen requires prior written consent for certain extortion payments.

Check whether your quote covers restoration, interruption, consultants, and extortion separately. Confirm approval requirements and sublimits before an incident; the specimen describes one form, not a market-wide rule.

## Related Questions

- [What Insurance Covers Cyber Attacks?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-cyber-attacks)
- [What Insurance Covers Business Data Loss?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-data-loss)
- [What Insurance Covers Money Stolen from a Hacked Bank Account?](https://spot.insure/insurance-faq/what-insurance-covers/what-insurance-covers-hacked-bank-accounts)
- [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)
- [Commercial property](https://spot.insure/coverage/commercial-property)

## 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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