Claim denial
In one sentence
When an insurer refuses to pay a claim, often due to an inaccurate application, a lapsed control, late notice, or an exclusion.
A denied claim leaves you paying for a loss the policy was supposed to cover. Common causes: the application misrepresented controls, an attested control lapsed before the incident, notice came too late or through non-approved vendors, or an exclusion applied.
Why it's on your cyber insurance application
This is the outcome every other question on an application is trying to prevent. The controls carriers ask about are the same ones that, missing or misstated, show up as the reason a claim was refused.
What this looks like in practice
The avoidable causes are boring: an answer that wasn't true, a control that lapsed after the form was signed, and notice given late or to the wrong people. Read your policy's notification clause now and put the number and the deadline in your incident response plan, because the clock starts when you discover the incident, not when you finish investigating.
The written evidence carriers accept
A “yes” on the application needs a document behind it. In the Readiness Pack, those documents are:
Related terms
Would you pass this question today?
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