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33 Quinnipiac L. Rev. 369 (2014-2015)
Insurance for Cyber Risks: A Comprehensive Analysis of the Evolving Exposure, Today's Litigation, and Tomorrow's Challenges

handle is hein.journals/qlr33 and id is 395 raw text is: PODOLAK FINAL (Do Not Delete) 33 2015 1008 AI\4 INSURANCE FOR CYBER RISKS: A COMPREHENSIVE ANALYSIS OF THE EVOLVING EXPOSURE, TODAY'S LITIGATION, AND TOMORROW'S CHALLENGES Gregory D. Podolak* 1. IN TR O D U CTIO N ............................................................................. 370 II. THE SURGE IN CYBER RISK .......................................................... 371 A . D efining Cyber Risks . .................................................... 374 III. INSURANCE POLICY FORM EVOLUTION ........................................ 377 A. The Insurance Market Expands Coverage to Include Electronic-Related Publications ......................................... 380 IV. CYBER RISK INSURANCE LITIGATION .......................................... 381 A. Current Issues in Commercial General Liability ............... 382 B. Courts Debate Publication ........................... 383 1. Does compromised information constitute a pub lication ? ............................................................... 3 83 2. Who has to commit the publication? ............................ 390 3. The collection of information is not publication .......... 390 4. Statutory violation exclusions are not necessarily implicated simply because the government is in v o lv e d . ....................................................................... 3 9 1 5. Stay tuned, there's more to come ................................. 393 C. First Party Insurance May Be Available ............................ 395 1. Property Insurance: Does the policy contemplate electronic losses? .......................................................... 395 2. Crime Insurance: Common data breach damages are proximately caused by hacking .................................... 397 V . C YB ER IN SURAN CE ....................................................................... 398 A. Cyber Risks Are Being Pushed Out of Traditional Lines... 398 * Partner and chair of the Cyber Risk practice at Saxe Doemberger & Vita, P.C., a national practice exclusively dedicated to representing policyholders in insurance coverage disputes. I would like to thank Attorneys K. Alexandra Byrd and Michael Barrese, both of SDV, for their diligent efforts and invaluable insight in bringing this article to fruition. PODOLAK FINAL (Do Not Delete) 3/3/2015 10:-08 AM

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