: Cyber policy excludes property damage from ransomware. Property policy excludes cyber-triggered losses. CGL excludes product recall costs. Business interruption has a 72-hour waiting period. Result: massive coverage gaps and litigation.
: A ransomware attack (cyber) shuts down production for 3 weeks. During shutdown, a water pipe freezes due to HVAC system compromise (property damage). A defective part produced just before shutdown causes a car accident (liability). plic-sbd insurance
