越来越多的企业购买网络保险来保护宝贵的电子资产,包括计算机系统本身以及其中存储的数据。但是,这些政策还比较年轻。他们经常使用取自传统财产/财产保护政策的术语,数十年的判例法为这些术语提供了含义。但是,这些看似熟悉的词正在制造新颖的网络保险问题,可能会影响您拥有或认为您拥有的保险范围。
在 纳特’l 在k &Stitch,LLC诉State Auto Prop。& Cas. 在s. Co.,CV SAG-18-2138,2020 WL 374460(博士.2020年1月23日), a court addressed a centuries old concept – physical loss – through the cyberinsurance lens. After a screen-printing company suffered a ransomware 在tack, the company had data stolen 和 computers rendered partially inoperable. 的company filed a claim under their cybersecurity policy, which familiarly stated that the carrier “will pay for direct 物理损失或损害 涵盖财产…”.
的company obtained cyber coverage through an endorsement. 的Businessowners Special Form Computer Coverage endorsement refined the definition of “Covered Property” to include “Electronic Media 和 Records (Including Software).” It defined “Electronic Media 和 Records” to include: