Cyber, Crime and Fidelity
One event can cross several insuring agreements.
A compromised email can lead to a fraudulent transfer and an allegation of negligence.
We map potential cyber, crime, fidelity and professional-liability responses, including sublimits, shared aggregates, verification conditions and notice routes. Cyber coverage has evolved over decades, while threats, business systems and policy terms continue to change.
Where cryptocurrency, stablecoins or digital-asset custody and transfers are involved, we examine the actual transaction, custody controls, policy definitions and exclusions. Do not assume that coverage for a cyber incident also covers loss of the asset or a failed transfer. Specialist underwriting may be needed, and coverage may be unavailable for some exposures.
Useful starting records
Incident chronology, complete policies, purchased endorsements, funds-transfer controls and claims contacts.