Question Time on Silent Cyber

• FOIL

‘Silent cyber’ or ‘non-affirmative cyber’ refers to the potential cyber exposures in non-stand-alone cyber policies, which may not be implicitly or explicitly included or excluded on policy wordings. Since about 2017, following regulatory activity from the PRA, and a subsequent mandate from Lloyd’s in respect of cyber language, insurers have become increasingly focused on ensuring that cyber risk is properly addressed. There have been a number of bulletins issued to the Lloyd’s market requiring policies to be clear as to whether cyber is, or is not covered.