Your Cyber Insurance provider can deny your claim under "Act Of War" (Are they learning from Health Insurance Providers?)

After the Ransomware attack Merck was stunned when most of its 30 insurers and reinsurers denied coverage because the policies specifically excluded another class of risk called "an act of war"

https://www.bloomberg.com/news/features/2019-12-03/merck-cyberattack-s-1-3-billion-question-was-it-an-act-of-war