What Cyber Insurance Does Not Cover

Cyber insurance covers a wide range of digital risks, but no policy covers everything. Knowing the common limits helps you avoid an unwelcome surprise at claim time.

Common exclusions and limits

• Poor security you failed to maintain: some policies expect basic controls to be in place.
• Prior known incidents: problems you were already aware of before the policy.
• Intentional or criminal acts by the insured.
• Certain physical or bodily-injury losses that belong to other policies.

Why the details vary

Cyber policies are not standardized the way some coverages are, so terms differ meaningfully between carriers. Two policies at the same price can cover quite different things, which is why reading the specifics matters.

What Truscott recommends

Compare what each policy actually covers, not just the premium. Run a free policy checkup or explore cyber insurance for Florida businesses.