Coverage Gaps
AI Agents · · 7 min read
An AI Agent Deleted a Startup's Production Database — Can You Insure Against That?
PocketOS lost its production database to a Cursor AI agent in 9 seconds. The incident exposes a gap in cyber insurance that most policies don't cover: AI-caused operational destruction with no external attacker.
Cyber Insurance · · 5 min read
Your Policy Says Cyber Event — But What Risk Does That Actually Expose?
Most cyber insurance policies define 'cyber event' so broadly that the term becomes meaningless for underwriting. Here is why that one definition matters more than any exclusion clause.
NIS 2 · · 9 min read
The NIS2 + AI Coverage Gap: When Your Cyber Policy Won't Cover the Incident NIS2 Requires You to Report
NIS2 mandates AI incident reporting for hundreds of thousands of EU entities. But most cyber insurance policies contain silent AI exclusions, sublimits, or ambiguity that leave insureds paying for AI incident response out of pocket — even though NIS2 required them to report the incident in the first place.
Claims · · 9 min read
Denied: Why 1 in 4 Cyber Insurance Claims Gets Rejected in 2026
21% of cyber insurance claims were denied or partially denied in 2025, up from 15% two years ago. Here are the specific reasons — and what brokers can do to prevent it.
Cyber Insurance · · 8 min read
Cyber Insurance Exclusions: What's NOT Covered in 2026
Critical guide to cyber insurance exclusions and coverage gaps. Learn what most policies don't cover, from unencrypted devices to nation-state attacks, and how to protect your business from blind spots.