Cyber War Insurance
Cyber conflict is no longer limited to governments or critical national infrastructure, and standard cyber policies commonly exclude losses from cyber war. This leaves organisations exposed to Cyber War insurance gaps when they need it most.
As geopolitical tensions play out through digital channels, even businesses far from physical conflict can face attacks that disrupt operations, damage systems and erode financial resilience.
Canopius Cyber War insurance has been developed to address this gap, providing greater certainty in an increasingly unpredictable threat environment.
What is Cyber War insurance?
Cyber War insurance is a type of cyber cover that responds to losses from state-sponsored or state-aligned cyber-attacks that are part of a physical war or cause widespread operational disruption across a country. These are events that are typically excluded from standard cyber insurance policies.
It provides a defined response to scenarios that would otherwise leave you with no recourse. Unlike standard cyber cover, Cyber War insurance recognises that geopolitical conflict means businesses can suffer significant losses even if there is no formal declaration of war.
What we do
Canopius Cyber War cover is designed to respond to losses arising from cyber war events that would otherwise fall outside the scope of conventional cyber insurance cover.Extending your existing cyber cover
The insurance mirrors the structure and intent of our standard cyber policy but extends protection to include cyber attacks linked to state-sponsored or state-aligned activity that are part of a physical war or cause widespread operational disruption across a country.
This includes attacks carried out as part of a physical conflict, as well as state-sponsored cyber activity that causes widespread operational disruption, even where a formally declared war is not in place.
Bringing clarity to an uncertain landscape
By clearly defining a response to these scenarios, the cover helps bring clarity and intent to an area that has historically lacked certainty.
- Destructive or disruptive cyber activity linked to geopolitical conflict
- State-sponsored cyber attacks that materially impact a country’s operations, regardless of whether a physical war is underway
- First-party and third-party losses consistent with the underlying Canopius cyber insurance policy
Cyber War insurance:
- Is available only in conjunction with a traditional Canopius cyber insurance policy
- Requires Canopius to be the lead primary cyber insurer
- Is underwritten on an individual risk basis
This ensures full alignment between the underlying cyber cover and the cyber war protection, and allows our underwriters to assess exposure holistically.
Canopius can offer Cyber War cover capacity of up to:
- $10m (USD) per risk, subject to underwriting appetite and programme structure
Cyber War Insurance may be appropriate for organisations that:
- Operate in sectors with increased geopolitical or strategic exposure
- Depend heavily on digital infrastructure, networks, or operational technology
- Require greater certainty around their response to state-sponsored cyber events
Insurance is offered on a selective and considered basis, recognising the evolving nature of the risk and the importance of careful underwriting assessment.
- Purpose-built cover designed to address cyber war exposures
- Clarity of intent, reducing uncertainty created by traditional war exclusions
- Specialist cyber underwriting expertise, informed by complex risk scenarios
- Measured deployment of capacity, reflecting the severity of the exposure
- Integrated claims expertise, supported by Canopius’ in-house cyber claims team
- Integrated proactive cyber services, helping organisations reduce exposure before an incident occurs
Speak to one of our specialist underwriters
