Does cyber insurance cover ransomware?

Many cyber insurance policies cover ransomware-related costs such as incident response, recovery, business interruption, and sometimes ransom payments — but coverage is increasingly conditional. Insurers now require demonstrable controls, including tested, recoverable backups, and may reduce or deny claims when those controls cannot be evidenced.

Elastio helps satisfy and prove these requirements by producing timestamped attestations that recovery points were inspected and confirmed clean, giving insurers verifiable evidence of recovery readiness rather than an assumption that backups will work.