This article appeared in Cybersecurity Law & Strategy, an ALM publication for privacy and security professionals, Chief Information Security Officers, Chief Information Officers, Chief Technology Officers, Corporate Counsel, Internet and Tech Practitioners, In-House Counsel. Visit the website to learn more.

The idea of “Future Shock ”— that an accelerated pace of change causes social and psychological disruptions — dates from Alvin Toffler’s 1970 book of the same name. As it copes with the mutable nature of cyber risks, the Insurance industry is experiencing such a shock. Insurers who write cyber liability policies are well-equipped to manage such claims, but what about carriers and adjusters who face such claims under more traditional policies — also known as “Silent Cyber?” This article aims to help non-cyber risk adjusters who may have to oversee such a claim.

Expanding Liability

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