Official text
War and Cyber Operation Exclusion No. 3
(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 that is carried out as part of a war, or the immediate preparation for a war, and/or
1.3. arising from a cyber operation that causes a state to become an impacted state.
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. Essential service means a service that is essential for the maintenance of vital functions of a state including but not limited to, financial institutions and associated financial market infrastructure, health services or utility services.
6. Impacted state means any state where a cyber operation has a major detrimental impact on:
6.1. the functioning of that state due to disruption to the availability, integrity or delivery of an essential service in that state, and/or
6.2. the security or defence of that state.
7. State means sovereign state.
8. War means armed conflict involving physical force:
8.1. by a state against another state, or
8.2. as part of a civil war, rebellion, revolution, insurrection, military action or usurpation of power, whether war be declared or not.
LMA5566A - 18 January 2023
Official text LMA ↗Covered scope
Réintégration non plafonnée. Mêmes exclusions que la 5565 (guerre, opération cyber de guerre, État impacté), mais sans le mécanisme de limites de l'article 2. Tout ce qui n'est pas exclu est couvert dans la limite globale de la police, sans sous-limite dédiée.
Excluded scope
Identique à la 5565 sur le fond, sauf le plafonnement, absent ici. C'est la seule différence structurelle : la 5566 offre une couverture résiduelle plus large car non bornée.
Use cases
Quand l'assureur accepte les mêmes seuils que la 5565 mais ne veut pas, ou n'a pas besoin, de borner la réintégration par une sous-limite, les limites étant gérées ailleurs.
Limitations
L'absence de sous-limite peut exposer à une accumulation plus large sur les opérations cyber non systémiques couvertes. Qualification d'État impacté interprétative.
Context
Révision 2023 de la 5566. Cas d'école : la différence 5565/5566 isole l'effet d'une seule clause, le plafonnement, sur l'économie de la couverture.
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.