What if a data breach is caused by an employee’s mistake?

This is a vital aspect of coverage, as human error remains a leading cause of cyber incidents. A strong cyber liability policy will typically cover events caused by employee negligence, such as accidentally clicking on a phishing link, misconfiguring a database, or losing a company laptop containing sensitive information. The policy is designed to protect the business from the financial consequences of the event, regardless of whether the root cause was a malicious external attack or an unintentional internal mistake.