Does Cyber Insurance Cover Employee Mistakes?

Most cyber incidents do not begin with a sophisticated hacker. They begin with an ordinary mistake: a clicked link, a misdirected email, a reused password. A natural question is whether cyber insurance covers losses that trace back to human error.

The general answer

In most cases, yes. Cyber policies are typically designed to respond to breaches and losses that result from employee mistakes, since human error is behind such a large share of incidents. That is one of the reasons the coverage exists.

What is usually excluded

Coverage generally does not extend to intentional, criminal acts by the business itself, and terms vary between carriers. Reading the policy, or having someone read it with you, is how you confirm what is and is not covered.

What Truscott recommends

Because everyday mistakes are the norm, coverage that responds to them matters. Compare cyber insurance options or run a free policy checkup.