What Is Claims-Made-and-Reported Coverage?

A claims-made-and-reported policy, the standard structure for most cyber liability coverage, requires a claim to be both made against you AND reported to your insurer within the policy period, or within a defined extended reporting window after it ends. According to Amwins, this differs from a simpler claims-made policy and makes the reporting deadline especially strict.

Courts in many jurisdictions treat that reporting deadline as a condition precedent to coverage, meaning late notice can bar coverage regardless of whether the delay actually harmed the insurer. This is why reporting an incident the moment you discover it matters more under a cyber policy than it might under other types of insurance.