Question

The legal statutes and insurance policy coverage identify a number of loss categories from a cyberattack. In the list of losses is one for “general injuries.” Identify one general injury that might be suffered during a cyberattack. How should a loss estimate be determined for the item you have identified as a general injury loss?

Answer 1

During a cyber attack, the cyber attacker may take control of the computer systems and this might result in disruption of the normal course of business and might lead to loss of working hours. This is an example of a general loss wherein the productivity of human resource have been affected due to cyber attack.

Since the working hours affected and wages are know and average productivity can be calculated, we may determine the loss basis the lost hours and the productivity loss which may have resulted in loss of revenues.