Courts will continue to be called upon to determine whether coverage for cyber-related losses exists under traditional insurance policies until the number of businesses obtaining comprehensive coverage under cyber-specific coverage increases. (Photo: alphaspirit – Fotolia)

While courts have yet to see a flood of coverage litigation over the terms of cyber insurance policies, the past year has presented coverage disputes in two areas involving traditional lines of insurance:

  • coverage for social engineering email scams under business and crime policies, and
  • coverage for data breaches under the standard commercial general liability (CGL) policy provision for "personal and advertising" injuries.

Social engineering email scams

Social engineering scams involve the manipulation of employees into taking actions that compromise corporate security or finances. These scams are becoming more prevalent with the increased reliance on electronic forms of communication.

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