Coverage description
A ransomware exclusion is a filed endorsement that names ransomware and excludes or limits ransomware-related loss, claim, expense, cyber incident, extortion threat, or related event. Ransomware exclusions differ in their scope and in whether specified security measures change how the exclusion applies.
Coverage classification
- Form type
- Exclusions
Compare Ransomware exclusion forms
| Form | Intent | Loss or claim | Context and conditions |
|---|---|---|---|
Mitsui Sumitomo Insurance USA Inc.Cyber And Ransomware Exclusion MSIG11X40128 05 26 Following Form Excess Liability | Excludes specified cyber and ransomware-related loss. | Addresses security failure, privacy event, extortion threat, ransomware event and data privacy law violations. | Applies to the following-form excess liability policy. |
Illinois National Insurance Co.Cyber Claims And Ransomware Exclusions Endorsement 143012 (2/22) Management Liability | Excludes specified cyber and ransomware-related loss. | Separately addresses first-party loss and third-party claims involving security failure, privacy event or ransomware event. | Applies to the stated coverage sections if applicable. |
National Union Fire Insurance Company of Pittsburgh, Pa.Ransomware Event Exclusion 148593 (03/23) Commercial Property filing | Excludes loss and remediation costs arising directly or indirectly from a ransomware event. | Addresses encryption or system interruption for extortion. | The reviewed form is from a commercial property filing; its attached policy is unspecified. |
Everest National Insurance CompanyRansomware Exclusion Endorsement CYB-CWF426A-2 0523 Cyber Liability | Excludes ransomware-related loss and defense, subject to a conditional change. | Addresses a cyber extortion event and related privacy, system, data and business interruption events. | After full specified MFA implementation and written notice, the exclusion no longer applies; a stated sublimit applies to events first occurring after implementation. |
Notable clauses
“any First Party Coverage Sections (if applicable)”
Illinois National Insurance Co. · Cyber Claims And Ransomware Exclusions Endorsement · 143012 (2/22)
First-party coverage. The endorsement separately addresses first-party and third-party coverage sections.
“paragraph 1 above shall no longer apply”
Everest National Insurance Company · Ransomware Exclusion Endorsement · CYB-CWF426A-2 0523
Multi-factor authentication. This follows written notice of full specified MFA implementation; the stated sublimit applies to ransomware events first occurring after implementation.
Market activity
Matching form records, product lines, state activity, and recent examples for this coverage language.
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Recent records
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Companies
Related insurance form pages
Related FilingFocus research
Related coverage topics
A ransomware endorsement names ransomware and changes how a cyber policy treats it without being an exclusion form. Compares Palomar and Corgi forms; 24 insurers file it.
Cyber extortion coverageCyber extortion coverage responds to threats to damage, disclose, encrypt or lock data unless a demand is paid. Compares five insurers' forms; 45 insurers file it.
Crypto and digital assets exclusionThis exclusion limits coverage for cryptocurrency, tokens, digital wallets and blockchain transactions. Compares two insurers' forms; 57 insurers file it.
Cyber exclusionA cyber exclusion limits coverage for loss or liability from cyber incidents, malicious code or system intrusions. Compares two insurers' forms; 452 insurers file it.
Artificial intelligence exclusionAn artificial intelligence exclusion limits coverage for claims involving AI systems, generative tools or outputs. Compares four insurers' forms; 47 insurers file it.
Biometric privacy exclusionA biometric privacy exclusion limits coverage for claims over fingerprints, face geometry or biometric privacy laws. Compares four insurers' forms; 167 insurers file it.
Intellectual property exclusionAn intellectual property exclusion can limit coverage for claims involving intellectual property rights. Compares two insurers' forms; 78 insurers file it.
War exclusionA war exclusion limits coverage for loss, injury or liability arising from war, military action or insurrection. Compares two insurers' forms; 360 insurers file it.
More cyber coverage topics
- Access or disclosure exclusion
- Computer fraud coverage
- Data breach coverage
- Data privacy law violation exclusion
- Electronic data exclusion
- Electronic data liability
- Funds transfer fraud coverage
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- Recording and distribution exclusion
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- Split retroactive date
- System failure coverage
- Worldwide coverage territory