---
title: "What Insurance Covers Ransomware?"
description: "Cyber insurance may cover ransomware response, restoration, interruption, and extortion costs, subject to each section’s trigger and limits."
canonical: "https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-ransomware"
page-type: "faq-question"
updated-at: "2026-09-25"
faq-topic: "what-insurance-covers"
question: "what-insurance-covers-ransomware"
---

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[Human-readable page](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-ransomware)

## Agent Guide

**What this page is:** Direct, cited answer to the question "What Insurance Covers Ransomware?" 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 Ransomware?

**Key facts:**
- Cites 2 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 Cyber Attacks?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-cyber-attacks) — related question
- [What Insurance Covers Business Data Loss?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-data-loss) — related question
- [What Insurance Covers Money Stolen from a Hacked Bank Account?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-hacked-bank-accounts) — 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
- [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) — related coverage guide

# What Insurance Covers Ransomware?

Cyber insurance may cover ransomware response, restoration, interruption, and extortion costs, subject to each section’s trigger and limits.

Ransomware can encrypt data, interrupt operations, threaten to publish stolen information, and create response and restoration expenses. FTC guidance lists data recovery, lost income, forensic services, and extortion among possible first-party coverages; an AIG specimen requires prior written consent for certain extortion payments.

Check whether your quote covers restoration, interruption, consultants, and extortion separately. Confirm approval requirements and sublimits before an incident; the specimen describes one form, not a market-wide rule.

## More Questions About Business Insurance

- [What Insurance Covers Cyber Attacks?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-cyber-attacks)
- [What Insurance Covers Business Data Loss?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-data-loss)
- [What Insurance Covers Money Stolen from a Hacked Bank Account?](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-hacked-bank-accounts)
- [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)
- [Commercial property](https://thegeneralaverage.com/coverage/commercial-property)

## Sources for This Answer

1. [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.
2. [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.

More answers: [What Insurance Covers FAQ](https://thegeneralaverage.com/insurance-faq/what-insurance-covers).

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/insurance-faq/what-insurance-covers/what-insurance-covers-ransomware.md)
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