Cyber Business Interruption
Cyber business interruption is income loss driven by digital incidents - ransomware, denial of service, cloud or telecoms failure - where cover may sit in a cyber policy, a property BI extension, or a hybrid placement rather than a classic physical-damage trigger alone.
Non-physical trigger BI raises coverage questions across traditional property, cyber, and service interruption wordings. Experts align outage intervals with digital trading records and isolate incremental loss from unrelated demand shocks.
Silent cyber endorsements and sub-limits require careful mapping so quantum opinions do not assume coverage that remains disputed.
| Phase | Analytical focus | Deliverable |
|---|---|---|
| Incident window | Logs vs financial cadence | Agreed outage timeline |
| Coverage map | Which clause responds | Clause-by-clause matrix |
| Revenue bridge | Channel-level but-for path | Waterfall to net BI loss |
| Reporting | Data gaps & imputations | Daubert sensitivities |
Frequently asked questions
Does cyber insurance cover business interruption in the US?
Many cyber policies include business or service interruption extensions for digital incidents, often with waiting periods and sub-limits. Traditional property BI may still require physical damage - which policy responds is a coverage question for the parties.
How do experts quantify cyber BI without physical damage?
They align outage intervals from logs and financial cadence, build channel-level but-for revenue bridges, and document data gaps with sensitivity analysis in Daubert-compliant reports.
What causes disputes in cyber BI quantum?
Common issues include concurrent macro demand changes, silent cyber endorsements, sub-limits, and whether mitigation spend sits under cyber BI, property extra expense, or is uninsured.
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