Cyber Insurance: Recent Decisions Interpreting Coverage Grants, Conditions to Coverage, Definitions, Exclusions
Trends on Voluntary Transfers Induced by Fraud, Third-Party Network Failures, Cyber Extortion, and More

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Course Details
- smart_display Format
Live Online with Live Q&A
- signal_cellular_alt Difficulty Level
Intermediate
- work Practice Area
Insurance
- event Date
Tuesday, October 14, 2025
- schedule Time
1:00 p.m. ET./10:00 a.m. PT
- timer Program Length
90 minutes
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This 90-minute webinar is eligible in most states for 1.5 CLE credits.
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Live Online
On Demand
This CLE webinar will provide counsel with a summary of the current state of the law and recent decisions on key cyber insurance coverage issues. The panel will offer insights for resolving ambiguities as well as negotiation of policy terms.
Faculty

Mr. Healy is a seasoned trial attorney with more than 20 years of extensive courtroom experience in courts across the country. He represents policyholders seeking insurance coverage and has successfully obtained coverage under numerous policy types, working with clients from a variety of industries, including technology companies, financial consultants, manufacturers, railroads, banks, financial service providers, retailers, medical service providers, and food and beverage providers. In addition, Mr. Healy regularly represents clients in disputes involving intellectual property rights and in proceedings before the U.S. Patent and Trademark Office. He has negotiated copyright and trademark resolutions, including licensing agreements, involving state, federal and international intellectual property rights. Mr. Healy is the author of Cyber Insurance Claims, Case Law, and Risk Management, a leading treatise on cyber insurance. He sits on Law360’s editorial board for Insurance Authority Specialty Lines and is a member of the American College of Coverage Counsel and is listed as a SuperLawyer as well as in Who’s Who in America. Mr. Healy is ranked as a leading insurance litigator by Best Lawyers, and Lawyer of the Year for Insurance Litigation in 2023.

Mr. Stern is the head of the firm’s Insurance Litigation Division. As a trial and appellate lawyer, he has extensive experience with respect to coverage, bad faith, reinsurance and regulatory disputes, spanning multiple lines, including specialty, professional, excess and general liability. His work representing insurers has earned him a spot on numerous leading lawyers lists, including Chambers USA (both the Nationwide and California lists), Legal500, and Martindale-Hubbell.
Description
Numerous insurers offer cyber policies, but coverage grants, definitions, and exclusions vary dramatically from policy to policy. When coverage disputes arise, courts lack a developed body of law interpreting (non-existent) standard policies, requiring counsel to engage in research that clients often do not appreciate. This panel will offer a summary of important and influential decisions that may save counsel time and money.
The most common types of "cyber events" that give rise to losses are email phishing and ransomware demands. Courts in different jurisdictions considering different policies are weighing in on whether coverage exists for voluntary transfers caused by fraudulent activity, misconduct of a rogue employee, cyber extortion, third-party network failures, bodily injury/property damage that flows from the cyber incident, and many other critical issues.
Listen as this experienced panel of cyber insurance coverage attorneys summarizes and catalogs how courts are deciding important cyber coverage issues and the applicable policy language that supports those decisions.
Outline
I. Why coverage does not exist under general policies
II. Recent decisions affecting issues important in coverage disputes
A. Coverage grants
B. Conditions to coverage
C. Definitions
D. Problematic exclusions
E. Reporting potential claims and "known loss" exclusions
F. Retroactive coverage
G. Strategies when negotiating policies
Benefits
The panel will review these and other important issues:
- What is a cyber policy, and why is there no coverage under other policy types?
- When negotiating a policy, what provisions should policyholders pay the most attention to?
- When is there coverage for voluntary transfers caused by fraudulent activity?
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