--- title: "What Insurance Covers Phishing Losses?" description: "Cyber coverage may pay response costs after phishing, while crime coverage may address money stolen through a covered transfer or social-engineering grant." canonical: "https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-phishing" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "what-insurance-covers" question: "what-insurance-covers-phishing" --- 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/what-insurance-covers/what-insurance-covers-phishing) ## Agent Guide **What this page is:** Direct, cited answer to the question "What Insurance Covers Phishing Losses?" within the What Insurance Covers 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:** - What Insurance Covers Phishing Losses? **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:** - [What Insurance Covers FAQ](https://thegeneralaverage.com/insurance-faq/what-insurance-covers) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [What Insurance Covers Wire Fraud?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-wire-fraud) — related question - [What Insurance Covers Ransomware?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-ransomware) — related question - [What Insurance Covers Data Breaches?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-data-breaches) — related question - [What Insurance Covers Employee Theft and Embezzlement?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft) — related question - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) — related coverage guide - [Crime](https://thegeneralaverage.com/coverage/crime) — related coverage guide # What Insurance Covers Phishing Losses? Cyber coverage may pay response costs after phishing, while crime coverage may address money stolen through a covered transfer or social-engineering grant. A phishing message can lead to different losses: stolen credentials, system access, exposed data, an outage, or a payment sent to a criminal. FTC guidance describes possible cyber response costs; crime coverage may be needed for a fraudulent transfer, especially if an employee was deceived into authorizing it. Ask which policy section covers each scenario and how it treats authorized payments, security controls, and vendor incidents. Keep the message and transfer records, and report suspected fraud promptly to your bank and insurer. ## More Questions About Business Insurance - [What Insurance Covers Wire Fraud?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-wire-fraud) - [What Insurance Covers Ransomware?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-ransomware) - [What Insurance Covers Data Breaches?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-data-breaches) - [What Insurance Covers Employee Theft and Embezzlement?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-employee-theft) ## Coverage Guides Related to Business Insurance - [Cyber liability](https://thegeneralaverage.com/coverage/cyber) - [Crime](https://thegeneralaverage.com/coverage/crime) ## Sources for This Answer 1. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; Insuring Agreements A.1 Employee Theft, A.3 Employee Theft of Client Property, B Forgery or Alteration, F Computer Fraud, G Funds Transfer Fraud, PDF pp.1–5; definitions E and AA, pp.7 and 10; exclusions IV.C–H, pp.14–15. Accessed 2026-09-25. 2. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-25. 3. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; Security and Privacy Coverage Section, PDF pp.11–18, especially exclusions p.18; Cyber Extortion Coverage Section, pp.29–31. Accessed 2026-09-25. 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