--- title: "Does cyber insurance cover a customer’s losses when our productivity app goes down?" description: "FTC describes third-party cyber coverage as potentially addressing claims by others and first-party coverage as potentially addressing the insured business’s own costs. The examples do not establish that a service outage or customer contract claim is covered." canonical: "https://thegeneralaverage.com/industries/productivity/does-cyber-cover-customer-loss" page-type: "industry-faq" updated-at: "2026-09-28" industry: "productivity" question: "does-cyber-cover-customer-loss" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/industries/productivity/does-cyber-cover-customer-loss) ## Agent Guide **What this page is:** Cited answer to "Does cyber insurance cover a customer’s losses when our productivity app goes down?" for the Productivity industry. **Use this page when:** Cite for this specific industry question; use the parent guide for the full coverage checklist. **Questions this page answers:** - Does cyber insurance cover a customer’s losses when our productivity app goes down? **Limits (do not over-claim):** - Industry-level answer; it does not assess a specific business, policy or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Answer from the Productivity guide's cited sources. Last updated 2026-09-28. **Related pages:** - [Productivity insurance guide](https://thegeneralaverage.com/industries/productivity) — parent guide - [Industries](https://thegeneralaverage.com/industries) — hub # Does cyber insurance cover a customer’s losses when our productivity app goes down? FTC describes third-party cyber coverage as potentially addressing claims by others and first-party coverage as potentially addressing the insured business’s own costs. The examples do not establish that a service outage or customer contract claim is covered. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) Before comparing forms, separate an outage at your cloud provider from an error in your own app. Ask how each scenario's cause, affected system, customer claim and service-credit terms fit the quoted definitions, waiting periods and exclusions. [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity), [Technology Exposures](https://www.chubb.com/us-en/business-insurance/technology-exposures.html) ## From Spot Spot, which publishes this research, gets quotes from 50+ providers and finds the best fit for your coverage, needs, and cost. Companies save up to 40%, and we keep managing your insurance as it changes. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) [Read the Productivity Software Insurance Buying Guide](https://thegeneralaverage.com/industries/productivity) ## More Questions About Insurance for Productivity Software - [Is technology E&O just another name for professional E&O?](https://thegeneralaverage.com/industries/productivity/is-technology-eo-same-as-professional-eo) ## Coverage to Discuss for Productivity Software - [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) - [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) - [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) ## Sources and Further Reading for Productivity Software - [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity) — Federal Trade Commission. Supplier risk, response planning and cyber-insurance buyer questions. Educational guidance, not policy wording. FTC small-business guidance on supplier risks and cyber-insurance review questions. - [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) — Federal Trade Commission (content developed with NAIC and federal partners). First-party coverage, lines 46–77; third-party coverage, lines 78–102. Examples are not a promise for any policy. FTC first-party and third-party cyber examples, explicitly subject to policy terms. - [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) — National Association of Insurance Commissioners. BOP and exclusions; general liability and exclusions; professional liability, crime and cyber; business property. General educational descriptions, not policy terms. - [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy) — National Association of Insurance Commissioners. Business interruption and contingent business interruption; covered physical damage and dependent-business trigger qualifications. - [Cyber Insurance Coverage and Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html) — Chubb. DigiTech Enterprise Risk Management product description; Chubb’s named product summary describes technology E&O for third-party financial injury arising from insured products and services. Product-specific summary, not a universal definition or buyer policy form. - [Technology Exposures](https://www.chubb.com/us-en/business-insurance/technology-exposures.html) — Chubb. Information loss, network-security failure, interruption, vendor incidents and technology-service errors; exposure examples, not a coverage determination. Chubb exposure scenarios for technology-service, vendor and network risks; exposure guidance only. - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Revised June 14, 2024; commercial property, inland marine, boiler and machinery/equipment breakdown, commercial general liability, commercial auto, umbrella, and workers compensation. California-focused guidance; confirm other jurisdictions and actual policy wording. Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements. Updated 2026-09-28. 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