Official text
War and Cyber Operation Exclusion No. 1
(For use on commercial cyber insurance contracts)
1. Notwithstanding any provision to the contrary in this insurance, this insurance does not cover that part of any loss, damage, liability, cost or expense of any kind:
1.1. directly or indirectly arising from a war, and/or
1.2. arising from a cyber operation.
Attribution of a cyber operation to a state
2. Notwithstanding the insurer's burden of proof, which shall remain unchanged by this clause, in determining attribution of a cyber operation to a state, the insured and insurer will consider such objectively reasonable evidence that is available to them. This may include formal or official attribution by the government of the state in which the computer system affected by the cyber operation is physically located to another state or those acting at its direction or under its control.
Definitions
3. Computer system means any computer, hardware, software, communications system, electronic device (including but not limited to, smart phone, laptop, tablet, wearable device), server, cloud infrastructure or microcontroller including any similar system or any configuration of the aforementioned and including any associated input, output, data storage device, networking equipment or back up facility. If there is any inconsistency between definitions of computer system in this exclusion and the contract of insurance, the definition in the contract of insurance shall apply.
4. Cyber operation means the use of a computer system by, at the direction of, or under the control of a state to:
4.1. disrupt, deny access to or degrade functionality of a computer system, and/or
4.2. copy, remove, manipulate, deny access to or destroy information in a computer system.
5. State means sovereign state.
6. War means armed conflict involving physical force:
6.1. by a state against another state, or
6.2. as part of a civil war, rebellion, revolution, insurrection, military action or usurpation of power, whether war be declared or not.
LMA5564A - 18 January 2023
Official text LMA ↗Covered scope
Quasi nul du côté étatique. La 5564 exclut toute opération cyber sans condition de seuil ni de rattachement à une guerre : il suffit qu'une perte découle d'une opération cyber étatique pour qu'elle tombe.
Excluded scope
Forme la plus restrictive de la grille 2023. L'alinéa 1.2 exclut les pertes découlant d'une opération cyber, point final, sans la notion d'État impacté des formes supérieures. Aucun write-back.
Use cases
Réservée aux appétits de risque les plus prudents. Très peu souscrite car elle vide la police cyber d'une partie de sa valeur pour l'assuré.
Limitations
Brutale et peu commercialisable. La clause d'attribution décrit la méthode probatoire sans définir ce qui constitue une preuve objectivement raisonnable, source de contentieux.
Context
Révision du 18 janvier 2023 de la 5564 d'origine (novembre 2021) : grille raccourcie, langage de causalité abrégé, mécanique des États spécifiés supprimée.
Ces contenus sont reproduits et commentés à titre pédagogique. Pour tout usage contractuel, se référer aux textes officiels publiés par la Lloyd's Market Association et à l'avis d'un juriste assurance. AlgoPolis n'est pas un conseil juridique.
Legal disclaimer
English texts are reproduced for educational purposes from official LMA sources.
French translations are unofficial and produced by AlgoPolis for educational purposes only.
Purely informational tool. No personal data collected, no trackers.
Type classification inferred by AlgoPolis from official Lloyd's definitions, to be confirmed with the LMA.