How do cyber insurance policies handle human error incidents?

Insurers typically handle claims arising from human error that leads to data loss or breaches through cyber insurance policies. These policies may cover financial losses resulting from such incidents, including expenses related to data recovery, regulatory fines, legal fees, and even reputation management costs. Insurers may require thorough documentation of the incident and any relevant policies and procedures in place to prevent data breaches. They often conduct investigations to assess the cause and extent of the data loss or breach before determining coverage. It’s important for individuals and businesses to carefully review their insurance policies to understand the coverage offered for cyber incidents related to human error.