Cyber Insurance Claims Examples

#CyberInsuranceClaimsExamples #CyberInsuranceClaims #RansomwareCoverage
Most business owners assume that cyber insurance works the same way as any other policy: you file a claim, the carrier pays. That's not how it works. Some claims get paid in full, some get partially paid, and some get denied entirely. In this video, Gordon Coyle walks through real cyber insurance claims examples with actual dollar outcomes — so you know exactly what determines whether your claim gets paid before you ever need to file one.
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This video covers real cyber insurance claims examples including data breach response, ransomware attacks, business email compromise, and social engineering fraud. You'll learn why cyber liability insurance claims get denied, how sub-limits affect business interruption coverage, and what security controls like MFA and EDR your policy requires as a condition of coverage. If you're a business owner reviewing your cyber insurance policy, these examples show you exactly what to look for before you ever need to file a claim.
Don't find out what your cyber policy doesn't cover by filing a claim.

⏱️ Timestamps:
0:00 Why cyber insurance surprises business owners
0:48 Claim 1: Healthcare data breach paid in full ($275,000)
1:28 Claim 2: Business email compromise denied ($265,000 loss)
2:31 What social engineering coverage actually requires
2:55 Claim 3: Ransomware capped by sub-limit ($75K paid on a $325K loss)
3:38 Claim 4: Ransomware denied for misrepresentation ($420,000 out of pocket)
4:37 The truth about renewal applications
5:33 Three things that separate paid claims from denied claims
6:37 Bottom line