Washington Department of Enterprise Services, Office of Risk Management

What this document is

Washington Department of Enterprise Services, Office of Risk Management - 2025-2026 Cyber Liability Insurance Overview is a reference published by Washington Department of Enterprise Services, Office of Risk Management (des.wa.gov). It is one of the Washington documents that insurance license exam questions are written from, including washington property & casualty practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• Wash. DES ORM, Cyber Liability Insurance Overview 2025-2026 (FAQ 2)

  “To understand how cyber liability insurance is structured, think about your homeowner’s insurance policy. You have first-party damages insurance that covers things like fire and water damage, and you have third-party liability coverage in case your tree falls on your neighbor.”

• Wash. DES ORM, Cyber Liability Insurance Overview 2025-2026 (First-party Data Protection Coverage F)

  “Data protection loss, in excess of the retention amount (deductible), for data loss by the state of Washington as a direct result of alteration, corruption, destruction, deletion or damage to a data asset, or the inability to access a data asset that is a direct result of a failure of computer...”

• Wash. DES ORM, Cyber Liability Insurance Overview 2025-2026 (Cyber Extortion Coverage E)

  “as a direct result of an extortion threat by a person, other than the state’s employees, directors, officers, principals, trustees, governors, managers, members, management committee, members of the management board, partners, contractors, outsourcers, or any person in collusion with any of the forgoing.”

• Wash. DES ORM, Cyber Liability Insurance Overview 2025-2026 (Definitions, Claims Made)

  “Claims Made means that this policy will pay out when an incident first takes place on or after the retroactive date (10/1/2014); and before the end of the policy period; and is discovered by the state of Washington and reported to Beazley.”

• Washington Department of Enterprise Services, Office of Risk Management, Cyber Liability Insurance Overview, policy year 2025-2026, Frequently Asked Questions, question 2

  “Cyber liability insurance has first-party damage coverage and third-party liability coverage.”

• Washington Department of Enterprise Services, Office of Risk Management, Cyber Liability Insurance Overview, policy year 2025-2026, Coverage Summary, Information Security & Privacy Liability Coverage (A)

  “Theft, loss, or unauthorized disclosure of personally identifiable, non-public information or third-party corporate information in the care, custody or control of the state of Washington or an independent contractor that is holding, processing or transferring such information on behalf of the state of Washington.”

• Washington Department of Enterprise Services, Office of Risk Management, Cyber Liability Insurance Overview, policy year 2025-2026, Coverage Summary, Privacy Notification Costs Coverage (B)

  “NOTE: Privacy notification costs shall not include any internal salary or overhead expense of the state of Washington.”

Practice this material

Questions about this source

More Washington sources

• RCW Title 48, Chapter 48.30 - Unfair Practices and Frauds (selected sections 48.30.010-48.30.155)State statute
• RCW Title 48, Chapter 48.17 - Insurance Producers, Title Insurance Agents and Adjusters (selected sections 48.17.060-48.17.600)State statute
• Chapter 48.05 RCW - Authorization of Insurers and General Requirements (certificate of authority, admission, deposits, discipline)State statute
• Chapter 48.22 RCW - Casualty Insurance (personal injury protection, underinsured and hit-and-run motorist coverage, assigned risk plans)State statute
• Chapter 48.02 RCW - Insurance Commissioner (broad powers, rule-making, orders, hearings and enforcement)State statute
• Chapter 48.20 RCW - Disability Insurance (individual accident and health policy provisions, required and optional provisions)State statute
• Chapter 48.03 RCW - Examinations (examination of the affairs and records of insurers and licensees)State statute
• Chapter 48.01 RCW - General Provisions (scope, and the definitions of insurance, insurer, insurance transaction and the public interest)State statute