Official text
War and Cyber Operation Exclusion No. 4
(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.
Paragraph 1.3 shall not apply to the direct or indirect effect of a cyber operation on a computer system used by the insured or its third party service providers that is not physically located in an impacted state but is affected by 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. 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 had 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.
LMA5567A - 18 January 2023
Official text LMA ↗Covered scope
La plus large de la famille 2023. Couvre les opérations cyber étatiques tant que les seuils d'État impacté ne sont pas franchis, et préserve explicitement l'assuré dont les systèmes, ou ceux de ses prestataires, situés hors d'un État impacté subissent un effet collatéral (bystanding cyber asset).
Excluded scope
Guerre, opération cyber de guerre, et opération cyber qui rend un État impacté via ses services essentiels ou sa sécurité et sa défense. L'exclusion 1.3 est neutralisée pour les actifs cyber tiers hors zone impactée.
Use cases
Forme de référence du marché cyber standalone dans sa version révisée 2023. Elle ne neutralise pas par principe les cyberattaques étatiques : elle les couvre sauf franchissement de seuils systémiques, ce qui préserve la valeur de la police tout en bornant le risque catastrophe.
Limitations
La qualification d'État impacté et de service essentiel reste interprétative. Le write-back bystanding suppose une analyse factuelle de la localisation des systèmes. La présence de la clause d'attribution (version A) déplace une partie du débat probatoire vers l'attribution étatique.
Context
Révision 2023 de la 5567 de 2021 : texte raccourci, causalité abrégée, suppression des États spécifiés. Reste la clause la plus utilisée du marché.
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.