--- title: "Does Cyber Insurance Cover Zero-Day Attacks?" description: "A zero-day attack may be covered if it causes a loss that fits the policy’s cyber event definitions; the fact that no patch existed does not decide coverage." canonical: "https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-zero-day-attacks" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "cyber" question: "does-cyber-insurance-cover-zero-day-attacks" --- 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/insurance-faq/cyber/does-cyber-insurance-cover-zero-day-attacks) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does Cyber Insurance Cover Zero-Day Attacks?" within the Cyber FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does Cyber Insurance Cover Zero-Day Attacks? **Key facts:** - Cites 3 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [Cyber FAQ](https://thegeneralaverage.com/insurance-faq/cyber) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does Cyber Insurance Cover Ransomware?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-ransomware) — related question - [Does Cyber Insurance Cover System Failure?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-system-failure) — related question - [Does Cyber Insurance Cover Employee Mistakes?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-employee-mistakes) — related question - [Does Cyber Insurance Cover Ransom Payments?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-ransom-payments) — related question - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) — related coverage guide # Does Cyber Insurance Cover Zero-Day Attacks? A zero-day attack may be covered if it causes a loss that fits the policy’s cyber event definitions; the fact that no patch existed does not decide coverage. The key question is whether the incident meets the covered-event trigger, not whether a vendor had already issued a fix. Read the policy’s cyberattack and vulnerability definitions, any known-circumstance exclusion, and terms addressing failure to maintain security. Check whether patch timing is measured from public disclosure or notification by the insurer. Review the applicable limits, waiting periods, and incident-response requirements. Ask the carrier to explain the quoted wording for an unknown vulnerability and preserve evidence of when the flaw became known and what steps were taken. ## More Questions About Cyber Insurance - [Does Cyber Insurance Cover Ransomware?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-ransomware) - [Does Cyber Insurance Cover System Failure?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-system-failure) - [Does Cyber Insurance Cover Employee Mistakes?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-employee-mistakes) - [Does Cyber Insurance Cover Ransom Payments?](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-ransom-payments) ## Coverage Guides Related to Cyber Insurance - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) ## Sources for This Answer 1. [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity). Federal Trade Commission; Govern; Cyber Insurance; Common Cyberattacks: Phishing, Ransomware, Business Email Imposters; Vendor Security. Accessed 2026-09-25. 2. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §§1–3, PDF pp.11, 14–18; Event Management §§1–2, PDF pp.19–20. Accessed 2026-09-25. 3. [Cyber insurance coverage & products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance coverage; First party coverage; Third-party liability coverage; Cyber crime (by endorsement); Products and services. Accessed 2026-09-25. More answers: [Cyber Insurance FAQ](https://thegeneralaverage.com/insurance-faq/cyber). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-faq/cyber/does-cyber-insurance-cover-zero-day-attacks.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)