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Ransomware Claims guides
Business email compromise and funds transfer fraud coverageA hijacked mailbox can cost you stolen payments, a data breach and a customer's misdirected invoice. Which parts a cyber policy pays and where the gaps are.A ransomware claim, step by step, from the first alert to the last settlementA hypothetical composite walkthrough of a cyber claim: breach coach, forensics, OFAC check, business interruption, state notification and third-party suits.What happens when you file a cyber claimThe cyber claim from first call to payment: hotline, breach coach, forensics, retention, the income-loss claim, and why many reported claims close unpaid.Paying a ransom: sanctions risk and reporting rulesNo federal law bans a business from paying a ransom, but OFAC sanctions liability is strict. What the rules say, how payments are screened and who must be told.Ransomware and cyber insurance: how claims workHow a ransomware claim unfolds under a cyber policy, from the hotline call and panel vendors to payment decisions, lost income and the usual coverage disputes.Ransomware sublimits and coinsurance in cyber policiesHow ransomware sublimits, retentions and coinsurance split a cyber loss, why the order of application matters, and what to negotiate at renewal.Social engineering fraud: cyber policy or crime policy?Where fake-vendor and fake-CEO payment scams are covered: crime policy impersonation cover, cyber policy sublimits, verification conditions and overlap.