Description: Cyber risk is dynamic, and so are the cybersecurity measures and insurance products designed to respond to it. As cyber threats evolve, insurers have continually revised both traditional commercial policies and stand‑alone cyber insurance products. Some of these changes expand coverage, while others create traps for the unwary—through application representations, sub‑limits, and exclusions embedded in defined terms. At the same time, the claims environment has grown markedly more adversarial. Disputes that once rarely surfaced are now common, requiring policyholders to fight harder to secure the coverage they believed they purchased.

Compounding these challenges, the widespread adoption of artificial intelligence and the proliferation of state privacy laws modeled in part on the GDPR have significantly expanded obligations related to data protection, privacy, and disclosure. Insurance remains a critical component of any cyber risk management strategy, but the cyber insurance marketplace lacks uniformity, and policy quality varies widely. Policyholders must therefore be sophisticated consumers at both placement and renewal, while continuing to devote substantial resources to preventing and responding to cyber incidents.

This webinar will examine emerging cyber risk exposures—including AI-related liabilities, pixel‑tracking claims, system damage, and business interruption—and the insurance coverage disputes arising from those risks. The program will address both first‑party and third‑party coverage issues, as well as enforcement and regulatory developments involving state attorneys general and federal agencies, including the FTC, SEC, HHS, the Department of the Treasury, and the New York Department of Financial Services. Attendees will gain practical insight into how these regulatory actions intersect with cyber and traditional commercial insurance policies, and how policyholders can better position themselves to protect coverage in an increasingly contested landscape.

Agenda:

• Understand new and developing risk vectors.
• Understand underwriting challenges, including the purchase and renewal processes for dedicated cyber insurance products.
• Understand developments with 3rd party insurance products, including wrongful tracking and privacy claims.
• Understand developments with 1st party insurance products, including system damage and business interruption losses.
• Understand challenges in navigating the claims handling process and ADR issues that can arise.

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