# Cyber insurance URL: https://insurancelawestonia.ee/tags/cyber-insurance/ Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ) > A selection of pages on this site that deal with Cyber insurance (21 pages): Estonian insurance law articles, guides and explanations. A selection of pages on this site that deal with "Cyber insurance". - [Avoiding coverage gaps in a cyber, crime and D&O programme](https://insurancelawestonia.ee/specialty-lines/handbook/coverage-gaps): Coordinating policies, harmonising definitions, the roles of broker and lawyer, documentation and a model coverage matrix to avoid gaps. - [Baltic public cyber incidents and management liability cases](https://insurancelawestonia.ee/specialty-lines/handbook/cases/baltic-incidents): Publicly known cyber incidents and management liability cases in Estonia, Latvia and Lithuania as neutral facts, and the insurance law questions. - [Blog: Estonian insurance law insights](https://insurancelawestonia.ee/blog): Blog by Estonian attorney Dr Olavi-Jüri Luik: insurance law developments, Supreme Court practice and analysis for insurers, MGAs and brokers. - [Breach coach for cyber incidents in Estonia (NIS2, GDPR)](https://insurancelawestonia.ee/services-for-insurers/breach-coach-cyber-incidents): Breach coach in Estonia: incident response, NIS2 notifications under the Cybersecurity Act, GDPR, ransomware payments and sanctions. - [Crime insurance court cases: direct loss and computer fraud](https://insurancelawestonia.ee/specialty-lines/handbook/cases/crime-court-cases): International crime insurance case law: direct loss, computer fraud vs social engineering, sub-limits, client property and employee intent. - [Crisis communications: customers, regulators, media, insurers](https://insurancelawestonia.ee/specialty-lines/handbook/crisis-communications): Communicating during an incident with customers, regulators and the media without prejudicing liability, fines or insurance cover in Estonia. - [Cyber claims in Estonia: NIS2, GDPR, ransomware and insurance](https://insurancelawestonia.ee/guides/cyber-claims-estonia): Cyber incidents in Estonia: Cybersecurity Act (NIS2) duties, GDPR claims, ransomware payments and sanctions. - [Cyber insurance and NIS2 in Estonia: what changed in 2026](https://insurancelawestonia.ee/blog/2026-11-02-cyber-insurance-nis2-estonia): Estonia's Cybersecurity Act (NIS2): board responsibility, 24/72-hour reporting, fines, and how they affect cyber and D&O policies governed by Estonian law. - [Cyber insurance cases: NotPetya, data breaches, ransomware](https://insurancelawestonia.ee/specialty-lines/handbook/cases/cyber-insurance-cases): International cyber insurance cases and insurers' claims examples: war exclusion, property and liability cover, supply chain, card brand fees. - [Cyber, crime and D&O insurance: interplay and boundaries](https://insurancelawestonia.ee/specialty-lines/handbook/cyber-crime-d-and-o-interaction): Which policy covers which loss, where the grey areas lie and how a loss can fall between cyber, crime and D&O policies under Estonian law. - [D&O case studies: data breaches, investor claims and limits](https://insurancelawestonia.ee/specialty-lines/handbook/cases/d-and-o-cases): International D&O cases: Equifax, Yahoo, Boeing, Volkswagen, Wirecard, Petrobras, Fortis, climate litigation and insurers' claims examples. - [Evidence and forensics after a cyber incident or fraud](https://insurancelawestonia.ee/specialty-lines/handbook/evidence-and-forensics): IT forensics, financial flow analysis and preservation of evidence (chain of custody): why forensic quality decides the claim and the dispute. - [Guides to Estonian insurance law for foreign insurers](https://insurancelawestonia.ee/guides): Practical guides on Estonian insurance claims for insurers, Lloyd's syndicates, MGAs, brokers and TPAs: motor, liability, financial lines, disputes. - [Modern risk landscape: cyber, fraud and management liability](https://insurancelawestonia.ee/specialty-lines/handbook/risk-landscape): Why property and liability cover no longer suffices in Estonia: digital dependence, social engineering fraud, NIS2 and board liability. - [Notification and claims strategy across several policies](https://insurancelawestonia.ee/specialty-lines/handbook/notification-across-policies): When to notify, how to qualify the incident and how to claim in parallel under cyber, crime and D&O policies under Estonian law. - [One click, cash and revenue gone: cyber insurance for businesses](https://insurancelawestonia.ee/blog/2026-11-03-cyber-insurance-ransomware-business): Ransomware, business interruption and data breaches: what cyber insurance covers, why property policies are no substitute and what to check in Estonia. - [Sanctions and insurance in Estonia: claims, premiums and nullity](https://insurancelawestonia.ee/guides/sanctions-and-insurance): How EU and Estonian sanctions affect insurance in Estonia: nullity under RSanS § 7, sanctions clauses, claims payments, ransomware, authorisations. - [Services for insurers, reinsurers, MGAs, brokers and TPAs](https://insurancelawestonia.ee/services-for-insurers): Local and panel counsel in Estonia: coverage opinions, claims support, reservation of rights, subrogation, litigation, breach coach, D&O, crime. - [The first 24 to 72 hours after a cyber incident or fraud](https://insurancelawestonia.ee/specialty-lines/handbook/first-24-72-hours): Crisis management in the first hours: containment, the crisis team, whom to involve, NIS2, GDPR and insurance law deadlines and policy conditions. - [War and geopolitical risk claims in Estonia and the Baltics](https://insurancelawestonia.ee/services-for-insurers/war-and-geopolitical-risks): War, terrorism, drone, sabotage and sanctions issues for insurers writing Baltic risks: exclusions under Estonian law, proof, claims and wordings. - [War exclusions and cyber insurance under Estonian law](https://insurancelawestonia.ee/guides/war-exclusions-and-cyber): War, hostile act and state-backed cyber attack exclusions under Estonian law: classification, burden of proof, attribution, interpretation.