14. January 2022

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Insurance exclusions wording is often unnoticed but it grabbed unusual attention in Nov. 2021 when Lloyd’s of London applied the arcane legal terms of insurance contracts to a set of conditions to insure ‘cyber war’ and nation state cyber operations. Regrettably, much of the commentary by cyber security and technology policy experts suggested that the clauses had been interpreted as a legalistic trick for insurers to avoid paying claims. Instead, these clauses represe


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