What they're saying in this case, however, is that they will not pay a covered claim. That's why people are up in arms about it. Cyber war is their euphemism for yes we should pay this but we won't. It's a preposterous and ridiculous claim and everyone here knows that. So the question stands: why would anyone buy insurance from this company that won't pay out covered claims like the malware in the article? I don't care how public or big this company is, after this case, you'd have to be insane to continue paying them when to them any run of the mill cyber attack is an act of war that they won't pay. Are you going to pay theranos now for their blood testing kits? No. The trust has been lost. Then why pay this company for insurance against cyber attacks when they've proven they won't pay the covered claim? The trust has been lost there too.