Coverage intent
Cyber extortion coverage addresses threats to damage, disclose, encrypt, or deny access to systems or data unless money or another demand is paid.
Coverage impact
Cyber extortion wording is closely tied to ransomware, sublimits, reimbursement terms, controls, and incident response requirements.
Where this language appears
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Sample form language
A representative form excerpt for this topic, with the form number and edition date shown the way insurance teams usually identify versions.
Selected form
Cyber Extortion Coverage
Form #: 915-1127 01/20
The Hanover Insurance Company
Professional Errors and Omissions Liability
WY | Mar 23, 2026
This endorsement defines the cyber extortion threat trigger around access to systems or data plus a demand for an extortion payment.
Cyber extortion threat definition
Threat means a declaration made by a natural person that he or she will or has gained access to Your System and intends to:
1. Cause You to transfer, pay or deliver any funds or property using Your System;
2. Sell or disclose a Confidential Record to another natural person or to an entity;
3. Alter, damage or destroy Your Data while stored within Your System;
4. Alter, damage, or destroy Your Data through a Security Breach; or
5. Impair or deny Your Services,
where there exists a demand for an extortion payment or a series of such payments as condition for the mitigation or removal of such Threat.Selected excerpt from this form.
Notable language points
- 01Ties the threat to access to the insured system.
- 02Covers payment demands, confidential-record disclosure, data alteration or destruction, and service impairment.
- 03Requires an extortion payment demand as the condition for mitigation or removal.